Defensible Wildfire Underwriting Beyond Static Zone Maps
Legacy ISO/FEMA wildfire models penalize entire zip codes. Delphi-1.0 evaluates exact parcel topography, 30-day ERA5 live fuel moisture (FMC), 100-foot defensible space compliance, and 5-mile local burn history to price profitable E&S surplus risks.
ERA5 Fuel Dryness Index
Continuously updated 1000-hour dead fuel moisture telemetry prevents underwriting during critical Santa Ana and Diablo wind ignition anomalies.
Slope & Aspect Physics
USGS 3D elevation slope gradient analysis. Fire travels up to 4x faster upslope; Delphi-1.0 dynamically scales rate modifiers based on ridgeline exposure.
CDI Buffer Credits
Compliant with California Dept of Insurance (CDI) Safer from Wildfires regulations. Automatically applies credits for class-A roofs, ember screens, and 30-100ft brush clearance.
Underwrite Wildfire In Sub-80ms API Calls
Integrate directly into your rating engine or policy management system (Applied Epic, Guidewire, AgencyPort) via our standard REST endpoints.
- Deterministic quote binding & rate breakdown
- 5-Mile radius PML accumulation checking
- Automatic audit logging & certificate PDF export
// Sample Request Payload
{
"policy_id": "COMM_CA_NAPA_4882",
"location": { "latitude": 38.3047, "longitude": -122.2989 },
"tiv_usd": 4200000.0,
"distance_to_brush_ft": 180.0,
"clearance_score": 0.90,
"roof_type": "CLASS_A_TILE",
"ember_resistant_vents": true
}
// Actuarial Response Output
{
"status": "QUOTE_ACCEPTED",
"hazard_score": 0.384,
"base_rate_per_hundred": 0.42,
"cdi_mitigation_discount_pct": 18.5,
"final_annual_premium_usd": 14380.00,
"five_mile_cluster_pml_usd": 12400000.00,
"solvency_status": "WITHIN_TREATY_LIMITS"
}