Research
The L.A. Wildfire Moment: The Growth of Insurability Risks in a Changing Climate
Los Angeles suffered intense wildfires in 2025.
We explore how climate change impacts asset insurability and the consequences for an uninsurable market for the insurance, banking, and real estate industries.
Understand how forward-looking methodology and adaptation strategies support climate mitigation efforts and drive resilience across these sectors.
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Risk context
Wildfire seasons are longer and closer to assets
Heat, drought, and wind are expanding fire perimeters into the wildland-urban interface. Losses are rising, while smoke and utility shutoffs disrupt operations far beyond the burn area.
Market signals
Capacity and pricing depend on measured mitigation
Insurers are tightening underwriting, lifting deductibles, and asking for evidence of defensible space, materials, and access. Asset-level proof of risk reduction improves terms and keeps options open.
Strategic takeaway
Map exposure, model impact, and fund adaptation
Use high-resolution wildfire hazard with financial metrics to rank assets, justify CapEx, and show expected loss reductions. This creates a clear path to insurability, stronger valuations, and lender confidence.
Turn Wildfire Risk Into Resilience
Connect with our team to translate high-resolution wildfire risk into concrete next steps. Identify exposure hotspots, quantify financial impact over time, and outline practical measures that improve insurability, pricing, and portfolio resilience.
