The CoreLogic Wildfire Risk Score is now sold by Cotality, the name CoreLogic took after a 2025 rebrand. Older letters and reports may carry either name; it is the same score. It runs on a scale up to 100, and carriers increasingly pair it with a second score your own work cannot move.
Last reviewed September 2, 2026 · Part of the nonrenewal guide
Per the vendor's public materials at cotality.com.
Cotality also sells a separate Wildfire Conflagration Score, rating the risk that fire spreads structure to structure from the homes around yours. Nothing you do on your own parcel changes it. That sounds like bad news, and partly is, but it sharpens what matters: the property-level score is the part of your file your work can actually move, which makes documentation of that work count for more, not less.
In Colorado, HB25-1182 entitles you to a plain-language explanation of the score and a formal appeal with evidence of your mitigation work, on a 10-day acknowledgment and 30-day decision clock. In California, score disclosure and appeal have been required since October 2022. In Texas, HB 2067 delivers the written reason automatically but no appeal exists; the score report is intelligence for the next carrier, not an argument with the last one. State by state: the tracker. The letter itself: how to read it.
Other vendors your letter might name: ZestyAI Z-FIRE and Verisk FireLine.
The factors on your side of the score, the fuel and surface conditions near the structure, are photographable facts. Sealed Home Record turns an hour of walking the property into a sealed, tamper-evident, date-verified record of them, with a certificate and a permanent verification link. It does not stop or reverse a nonrenewal, and it does not decide an appeal. It puts a dated record in the file where before there was only the model's word.
$69 a year. One property, unlimited sealed captures.
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