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Insurability Score by Underwrite.com
Insuring this home will likely require a specialty or surplus-lines carrier or some mitigation. Key factors: wildfire risk: very high and flood risk: very high.
- Masonry/non-combustible construction
- Strong fire protection (PPC 2)
- Newer construction (built 2013)
- Wildfire risk: Very High
- Flood risk: Very High
- Landslide risk: Very High
This Insurability Score is an estimate of insurance availability based on available property and regional data. It is not a guarantee of coverage, pricing, or eligibility. Final eligibility depends on carrier appetite, underwriting review, inspection, and claims history.
How is this calculated?Five perils. One clear picture.
We combine satellite imagery, physics-based modeling, and multi-vendor risk data to give you a complete view of your property's exposure - not just a single score from one provider.
Spread modeling, fuel conditions, defensible space
FEMA zones, elevation, historical inundation
Coastal exposure, hurricane paths, roof vulnerability
Fault proximity, soil liquefaction, structural risk
Slope analysis, soil type, precipitation triggers
Risk ratings are an indicator, not a substitute for a professional inspection or insurance quote.
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Claim 605 Hot Springs Rd, Montecito, CA 93108, USA to keep a record of it — we'll tell you when something changes that affects your insurance, and remind you before your policy renews.
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