Research Note
Wildfire Mitigation Evidence Record
Evaluate a mitigation claim by its mechanism, test or field evidence, property fit, installation, maintenance, interaction with other pathways, official recognition, and
In this article
Wildfire Mitigation Evidence Record
Evaluation principle
Evaluate a mitigation claim by its mechanism, test or field evidence, property fit, installation, maintenance, interaction with other pathways, official recognition, and residual risk.
A physical-risk measure, code requirement, program designation, grant condition, underwriting rule, and premium credit are different claims.
Evidence matrix
| Dimension | Required record |
|---|---|
| Mechanism | Ember, radiant, flame, convection, spread, suppression, or another pathway |
| Evidence | Standard, laboratory test, field study, post-fire analysis, or expert consensus |
| Conditions | Construction, event, specimen, installation, maintenance, and comparator |
| Property fit | Building, parcel, neighborhood, local code, and hazard context |
| Installation | Design, product, workmanship, inspection, and documentation |
| Maintenance | Cleaning, vegetation, wear, corrosion, movement, replacement, and frequency |
| Interaction | Remaining pathway that can bypass the measure |
| Recognition | Current code, program, grant, authority, insurer, or policy rule |
| Residual risk | What the measure does not change |
Authoritative starting points
The U.S. Fire Administration explains multiple fire exposures:
https://www.usfa.fema.gov/blog/protecting-structures-from-wildfire-embers-and-fire-exposures/
FEMA provides a structure and defensible-space guide derived from the Marshall Fire:
IBHS maintains the Wildfire Prepared program:
Decision language
The evidence record should end as supported for the defined use, conditionally supported, unresolved, or rejected. It cannot promise survival, code compliance, insurance availability, premium reduction, claim payment, or a specific return on investment.
Sources
Follow the evidence.
- content.naic.org: catastrophe models propertycontent.naic.org
- content.naic.org: reinsurancecontent.naic.org
- daltonanderson.ghost.io: ca wildfires insurance crisis expert analysisdaltonanderson.ghost.io
- ibhs.org: wildfire prepared homeibhs.org
- open.spotify.com: 4TTlp65UK2Dl3zYtgkCklsopen.spotify.com
- cfpnet.com: key statistics datacfpnet.com
- daltonanderson.net: ca wildfires insurance crisis expert analysisdaltonanderson.net
- fema.gov: fema rsl marshall mat homeowners guide to reducing wildfire risk through defensible space 042025fema.gov
- fire.ca.gov: eaton firefire.ca.gov
- fire.ca.gov: palisades firefire.ca.gov
- insurance.ca.gov: res ins guideinsurance.ca.gov
- insurance.ca.gov: 5 residentialinsurance.ca.gov
- insurance.ca.gov: commercialguideinsurance.ca.gov
- insurance.ca.gov: 07 lasliinsurance.ca.gov
- insurance.ca.gov: Sustainable Insurance Strategyinsurance.ca.gov
- insurance.ca.gov: public wildfire modelinsurance.ca.gov
- insurance.ca.gov: California FAIR Planinsurance.ca.gov
- insurance.ca.gov: release065 2024insurance.ca.gov
- insurance.ca.gov: Order No 2025 1 Approving the California FAIR Plan Association s Request to Issue Assessmentinsurance.ca.gov
- insurance.ca.gov: release052 2025insurance.ca.gov
- insurance.ca.gov: Insurance surge expanding options for Cainsurance.ca.gov
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- podcastrepublic.net: 1494964342podcastrepublic.net
- safelease.comsafelease.com
- safelease.com: safelease launches facility insurancesafelease.com
- usfa.fema.gov: protecting structures from wildfire embers and fire exposuresusfa.fema.gov
- youtu.be: BUVy0xxL6tgyoutu.be