Better data means better protection
Milliman Climate Resilience Initiative
Learn moreOur latest wildfire insurance insight

Measure twice, cut once: A state-level framework for effective wildfire risk mitigation
Wildfire experts present a six-step process for effectively reducing community wildfire risk.
What is “Zone Zero” in wildfire mitigation? An introduction to defensible space
What is Zone Zero in wildfire mitigation, and why are insurers, regulators, and homeowners paying attention to the 5 feet closest to a structure?
Geocoding for insurance: Why location matters in risk pricing
Accurate risk pricing can lead to more resilient communities.
The impact of wildfire-related and environmental air pollution on morbidity
We used data from Medicare, Medicaid, and commercial insurance to measure how wildfire-related air pollutants impact disease rates and healthcare utilization.
WUI Data Commons Phase 2: Criteria for success and plan for Phase 3 pilot
This report, prepared for the California Fire Chiefs Association, contains the results of Milliman’s meetings and interviews with industry subject-matter experts. It also includes a detailed plan for Phase 3.
WSTC Webinar: WUI Data Commons
Increasingly, large and destructive wildfires are devastating WUI communities and destabilizing homeowners insurance markets.
Wildfire Mitigation Alignment Webinar
On February 12, 2024, a webinar was held on how California’s investment on wildfire mitigation, statewide alignment, and how the insurance industry works together to align in a common goal of preparing communities for wildfire.
Industry insured losses for Los Angeles wildfires
We estimate insurance industry losses following the Palisades and Eaton fires, insurance coverage and regulatory considerations, and the impact of extreme climate events on the insurance industry.
California homeowners insurance: Current state and implications of the LA wildfires
We discuss nine takeaways regarding the current state of the California homeowners insurance market and implications of the Los Angeles wildfires.
The WUI Data Commons: Driving wildfire resilience through data transparency
Experts from the insurance, fire service, catastrophe modeling and actuarial professions have come together to propose a solution: the WUI Data Commons.


