Home insurance requirements in Oregon

Oregon Wildfire Eligibility and Mitigation

American Family uses a wildfire risk score to assess the real-world exposure of critical infrastructure and property. The wildfire model returns a wildfire hazard and risk classification for any address or geocoded location that is sensitive to and dependent on fuel, weather, topography and the resultant fire behavior calculations in conjunction with community-level attributes that mitigate or exacerbate wildfire exposure. The model differentiates wildfire risk through calculated fire behavior, ember generation and how fires transition from wildland into wildland urban interface and urban areas.

Part of the wildfire risk model is Wildfire Risk Score which is determined for each location and is on a scale of 1-50 with 1 indicating minimal wildfire risk and 50 indicating the most extreme wildfire risk. The Wildfire Risk Score is used to determine the policy premium for Homeowners policies, and is used to determine coverage eligibility of the property in the underwriting evaluation for all new business, renewals, rewrites and location changes. If the Wildfire Risk Score is above the eligible threshold, the exposure is deemed ineligible for coverage. Community-level attributes that mitigate or exacerbate wildfire exposure are accounted for in the wildfire risk classification model, but no additional underwriting expectations or premium discounts are offered.

For houses which meet our wildfire underwriting rules and are eligible for coverage, we offer the Wildfire Defense Services (WDS), an optional endorsement that provides homeowner customers with pre- and post-fire mitigation efforts to reduce the impact of wildfire damage to the insured's property. The WDS endorsement is offered at no additional cost.