FireLine is Verisk’s property-level wildfire hazard score, offered across thirteen western states including Texas. It rates fuel, slope, and access, flags exposure to wind-borne embers, and hands your carrier a number that the carrier alone decides how to act on.
Last reviewed September 2, 2026 · Part of the nonrenewal guide
Per Verisk's public materials at verisk.com/products/fireline.
Verisk executives have said publicly that roughly three quarters of scored properties come in at 0 or 1, about an eighth at 2 or 3, and the rest, roughly 15 percent, from 4 up to 30. More useful still: each carrier sets its own cutoff, and Verisk has described some carriers declining at 6 and above, others at 8, others at 10. The consumer group United Policyholders collected these figures in a plain-language explainer.
Sit with what that means: the identical score that dropped you at one carrier is written every day at another. There may be no fact more useful to a dropped homeowner, because it converts the score from a verdict into one company's appetite. It is the whole case for door two, shopping the market through an independent agent with documentation in hand.
A hazard score built on fuel, slope, and access does not see your receipts, your vent retrofits, or clearing work done since its data was last refreshed. Slope never changes; fuel does, every time you cut it. If your work postdates the data behind the score, you are living the problem covered on the stale imagery page.
Colorado: request the plain-language explanation HB25-1182 requires and appeal with evidence of your mitigation work, 10 days to acknowledge, 30 to decide. California: disclosure and appeal, in force since October 2022. Texas, where FireLine is offered: HB 2067 puts the reason in writing automatically, and with no appeal right there, the play is the next carrier, not 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 CoreLogic / Cotality.
Fuel is the FireLine factor you control, and fuel conditions are photographable: what stands 0 to 5 feet from the structure, what the 5 to 30 foot band looks like after thinning. Sealed Home Record turns an hour of walking the property into a sealed, tamper-evident, date-verified record of exactly that, with a certificate and a permanent verification link. It does not stop or reverse a nonrenewal, and it does not decide an appeal.
$69 a year. One property, unlimited sealed captures.
Start my record