Blackswan4score

Blackswan4score A Fire Science InsurTech Company… We put the Law of Large Numbers to work for you.

Blackswan4score offers a Wildfire Risk Assessment tool to help property owners identify where their wildfire risk is, and offer recommendations on how to mitigate their risk. The Wildfire Risk Assessment will result in providing a composite score that can be shared with insurance carriers to reflect their accurate wildfire risk, providing the opportunity to possibly qualify for policy discount programs and reduced rates.

If there were ever a time for wildfire scientists to reach a consensus with government officials, insurance companies, f...
11/23/2021

If there were ever a time for wildfire scientists to reach a consensus with government officials, insurance companies, fire protection associations, environmentalists and the public, that time is now. Wildfire is on top of everyone’s mind. However, too many people are focused on the problem and not enough on the solution.



If there were ever a time for wildfire scientists to reach a consensus with government officials, insurance companies, fire protection associations, environmentalists and the public, that time is now. Wildfire is on top of everyone’s mind. However, too many people are focused on the problem and no...

Wildfire. Are forests the problem or the solution?
11/19/2021

Wildfire. Are forests the problem or the solution?



Today’s problem could be tomorrow’s solution. Forests currently only remove about 33% of the world’s carbon emissions each year. With forest restoration investments, forests could remove 7 billion metric tons of carbon dioxide annually, equivalent to the carbon emissions of 1.5 billion vehicle...

Is it really getting worse everywhere?
11/18/2021

Is it really getting worse everywhere?



Is it really getting worse everywhere? The above map shows the worst wildfire year for each state according to the number of wildfires. If wildfire were getting worse everywhere, the entire map would be dark green; if it were getting better, the full map would be light green. Of the 5 worst states a...

Ever heard of wildfire restoring a forest? In a not-so-distant land, wildfires have been allowed to burn freely, without...
11/18/2021

Ever heard of wildfire restoring a forest? In a not-so-distant land, wildfires have been allowed to burn freely, without suppression or human intervention. Learn why Berkeley scientists and most national parks are now fighting FOR wildfire.



For nearly 50 years, wildland fires have burned freely in select national parks across California to prove that frequent fires strengthen resiliency against both wildfire and drought when allowed to burn and smolder in the underbrush for months.

American forests are unhealthy, and it will take an act of Congress—maybe several—to change that. We have had the tools ...
11/16/2021

American forests are unhealthy, and it will take an act of Congress—maybe several—to change that. We have had the tools at our disposal to reduce and prevent fires and, still, wildfire “season” has become a year-round problem.



Foresters in Congress – American forests are unhealthy, and it will take an act of Congress—maybe several—to change that. We have had the tools at our disposal to reduce and prevent fires and, still, wildfire “season” has become a year-round problem. This month’s Hot Spot highlights legi...

From bark beetles to dead pines, to proposed timber sale, to rare ecosystem study, to halted salvage sale, to massive wi...
11/13/2021

From bark beetles to dead pines, to proposed timber sale, to rare ecosystem study, to halted salvage sale, to massive wildfire destroying thousands of acres of ecosystems. This time, environmentalists weren’t fighting for the environment.



Environmentalists protect a rare ecosystem that survives only in dead or decaying trees. Logging was prevented, mitigation plans halted, and dead pine stands led to devastating wildfire, causing irreparable damage to all ecosystems in the area. BARK, an organization committed to defending and restor...

A popular debate among wildfire modelers is finally answered by a Black Swan event known as the Beachie Creek fire and o...
11/10/2021

A popular debate among wildfire modelers is finally answered by a Black Swan event known as the Beachie Creek fire and one family’s photo account from a reconnaissance flight over Olallie Lake Resort. Hint: it has a little bit to do with the resort’s survival story.



Nine months after Beachie Creek Fire, road closures remained in place for public safety from smoldering ash pits, hazard trees (trees damaged by wildfire prone to fall with wind and/or gravity) and roadway issues that include damaged asphalt and guard rails. Olallie Lake Resort will not be accessibl...

California Assemblyman Heath Flora (12th District) shared the state’s opinion on the wildfire problem at the 2021 Wildfi...
11/10/2021

California Assemblyman Heath Flora (12th District) shared the state’s opinion on the wildfire problem at the 2021 Wildfire Prevention Summit. As a businessman with an agricultural upbringing and a career as a firefighter, Flora brings a uniquely broad perspective of the challenges facing his great state.


California Assemblyman Heath Flora (12th District) shared the state’s perspective of the wildfire problem at the 2021 Wildfire Prevention Summit. As a businessman with an agricultural upbringing and a career as a firefighter, Flora brings a uniquely broad perspective of the challenges facing his g...

New building code standards created to improve wildfire resiliency in the Wildland Urban Interface waived in Oregon’s HB...
11/04/2021

New building code standards created to improve wildfire resiliency in the Wildland Urban Interface waived in Oregon’s HB22 in a rush to get citizens back in their homes as quickly as possible.



Oregonians eager to recover after 2020 wildfires may now forgo adopting new building code standards for properties in wildfire areas. Property owners may rebuild without going through the permit process or adopting 2018 Wildland Urban Interface building standards. HB2289 is an example of local gover...

Is FAIR fair? Few options are left for San Diego farmers who find themselves between a rock and a hard place. FAIR Plan ...
11/03/2021

Is FAIR fair? Few options are left for San Diego farmers who find themselves between a rock and a hard place. FAIR Plan won’t insure farm vehicles and Auto Assigned Risk won’t insure farmers. Where do they turn?



Small business owners find themselves left out in the cold when it comes to finding coverage for property in wildfire areas. Auto assigned risk pool won’t accept Farm Equipment and FAIR Plan won’t cover vehicles. When insurance isn’t an option, property owners will do everything in their power...

This map shows by acreage burned the worst wildfire year since 2010 across the U.S. Clearly, wildfire is not getting wor...
11/02/2021

This map shows by acreage burned the worst wildfire year since 2010 across the U.S. Clearly, wildfire is not getting worse everywhere...



This map shows by acreage burned the worst wildfire year since 2010 across the U.S. Clearly, wildfire is not getting worse everywhere. According to the data, 2020 was the worst year for only seven states; 2011 was the worst for 17 states. This illustrates that wildfire isn’t just a West Coast issu...

New Insurance Riddle: When is the best time to adopt new building code standards? When is the worst time?
11/02/2021

New Insurance Riddle: When is the best time to adopt new building code standards? When is the worst time?

California has a severe housing shortage and above-average housing costs that include a wide array of residential property types. Adding more housing units is the obvious solution to overcrowding and soaring real estate prices. Simple supply and demand economics, except for one thing: where to build...

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