Wildfire risk is expanding across the continental U.S., and traditional insurance is pulling back. Arbol’s parametric wildfire coverage pays out when fire activity crosses a defined property boundary—based on official data, not subjective claims.
Structured Around a Verifiable Trigger
Arbol’s wildfire parametric product is structured around a simple, verifiable trigger: when a wildfire crosses your insured property boundary, as confirmed by official NIFC/Cal Fire perimeter data, a payout is initiated. No adjuster, no dispute, no waiting.
These solutions give brokers and property owners a way to carve wildfire risk out of traditional coverage, buy down rising deductibles, and protect high-value or high-risk assets that distort broader portfolio coverage.
Arbol checks underwriting capacity and applies wildfire scoring
Choose your limit—starting at $1M, up to $10M
Arbol monitors fire perimeter activity in real time, and confirms if a wildfire crosses your insured boundary using NIFC/Cal Fire data
An event report is issued and payment is sent within 10 business days—no claim filing required
Separate wildfire from your standard policy to reduce overall premium and gain clear visibility into what’s driving costs.
Use parametric coverage to offset rising wildfire deductibles on existing policies.
Cover specific properties that would otherwise distort broader portfolio pricing.
Extend protection to assets that fall outside primary coverage—with flexible policy design.
Full wildfire coverage for properties where traditional insurance is unavailable or unaffordable.
Separate wildfire from your standard policy to reduce overall premium and gain clear visibility into what’s driving costs.
Use parametric coverage to offset rising wildfire deductibles on existing policies.
Cover specific properties that would otherwise distort broader portfolio pricing.
Extend protection to assets that fall outside primary coverage—with flexible policy design.
Full wildfire coverage for properties where traditional insurance is unavailable or unaffordable.
Large property portfolios in wildfire-prone regions can use parametric coverage to stabilize costs, fill deductible gaps, and maintain coverage where traditional carriers have reduced limits.
Vineyards and specialty crop operations face compound risks: fire can destroy both structures and crops. Arbol’s coverage triggers on proximity—before smoke and ash losses compound into a total event.
Schools and university properties in the wildland-urban interface can use parametric wildfire coverage as a standalone or supplemental layer, particularly when campus insurance is stretched across high-risk geographies.
For properties that are difficult to place, over-concentrated in a portfolio, or underserved by standard markets, wildfire parametric coverage provides a clean, efficient alternative.
Wildfire insurance products are offered through Arbol Insurance Services (Climate Risk Insurance Solutions LLC), a licensed general agent. Coverage is subject to underwriting eligibility and availability by location. This page is for informational purposes only and does not constitute an offer of insurance coverage.
Based on official NIFC/Cal Fire fire perimeter data—not damage assessments
Payout within 10 business days of a confirmed trigger event
Works as standalone or supplemental protection alongside existing coverage
Available for one-year policies across the continental United States
Arbol uses official fire perimeter data from the National Interagency Fire Center (NIFC) and Cal Fire to confirm whether a wildfire has crossed the insured property boundary. These are independently maintained, authoritative datasets used by government agencies and emergency responders. Payouts are based on objective data—not physical damage assessments—which eliminates disputes and speeds up claims resolution.
The property address is submitted to Arbol. We check whether underwriting capacity is available in that area and apply wildfire scoring to assess eligibility. Properties in areas with limited capacity may not qualify, and premium is based on location-specific risk factors.
Not necessarily. Arbol Wildfire Parametric can be purchased as standalone coverage or as a supplement to an existing policy. It’s particularly useful for buying down high wildfire deductibles, covering assets not addressed by your primary policy, or protecting properties where traditional insurers have reduced or eliminated wildfire coverage.
Covered losses include physical property damage and related costs tied to the insured location. A proof of loss of at least $10,000 must be provided. The parametric trigger—verified fire perimeter crossing—initiates payment independent of a traditional claims assessment process.
Yes. Wildfire coverage can be structured alongside other Arbol products, including agricultural or weather-based solutions, for operations that face compound climate risks. Contact our team to discuss multi-peril structuring options.
Maximum line size is $10,000,000 per policy. Coverage can be written for limits starting as low as $1M, making it accessible for a wide range of property types and risk profiles.
