Insurance Projects
In partnership with:
Tahoe Racquet Club
989 Tahoe Blvd, Incline Village, NV 89451
Tahoe Racquet Club (TRC) is situated on a mild, east-facing bench along the Tahoe Blvd corridor in Incline Village, where site-scale relief is governed by drainage- and landscaping-controlled microtopography while campus-wide slopes remain well below ~35%. Steeper Crystal Bay hillsides occur upslope, but they are compartmentalized by roads, parcel breaks, and maintained vegetation, which introduces meaningful fuel and continuity interruptions that are material to insurance wildfire vulnerability scoring. The bench position and shaded afternoon aspect tend to de-align slope, fuels, and prevailing winds, moderating upslope-driven rate of spread and fireline intensity, and thereby reducing modeled tail outcomes such as Probable Maximum Loss (PML) relative to more strongly aligned terrain. Nevertheless, because the broader setting remains a forested WUI, residual risk is still driven by wind variability and firebrand exposure, so verified defensible space and structural hardening function as key vulnerability modifiers that influence average annual loss (AAL), underwriting appetite, and ongoing insurability.
*StoryMap available upon request
Third Creek HOA
929 Northwood Blvd, Incline Village, NV 89451
Third Creek HOA sits within the Incline Village portion of the northeast Lake Tahoe Basin, where local topography transitions rapidly from lower-relief lakeshore areas to steep, higher-elevation slopes organized around the Third Creek drainage (the creek corridor is ~1,898 m / 6,227 ft in elevation). This steep, dissected terrain increases rate of spread via upslope runs and promotes wind–terrain channeling along canyons/ridges, expanding the plausible burn footprint and elevating probable maximum loss (PML) under extreme weather. Because Third Creek is an active watershed corridor adjacent to developed areas, the combination of slope-driven convection and continuous vegetative fuels increases firebrand (ember) transport into structures, raising structure ignition probability and average annual loss (AAL) relative to flatter, less fuel-connected sites.
*StoryMap available upon request
City of Placerville
Community Wildfire Resiliency Strategy
El Dorado RCD - 100 Forni Rd, Placerville, CA 95667
The City of Placerville, nestled in the Sierra Nevada foothill physiographic zone at ≈1,900 ft. elevation is characterized by dissected uplands with moderate–steep slope gradients and closely spaced drainages. This terrain amplifies fireline intensity and rate of spread through upslope runs and wind–terrain channeling along ridges and canyon corridors. The city’s position in a wildland–urban interface (WUI) setting elevates ember (firebrand) exposure, driving higher expected loss (EL) via roof/deck intrusion pathways and short-range spotting into receptive fuels.
*StoryMap available upon request
McCloud Condominium Assc.
939 Incline Way, Incline Village, NV 89451
McCloud Condominiums are in Incline Village’s “low-elevation” near-lakeshore setting. At the community scale, Incline Village transitions from gently sloping terrain near Lake Tahoe to very steep terrain at higher elevations, which is material to catastrophe modeling because slope and drainage-aligned corridors can increase modeled rate of spread and fireline intensity in adverse wind scenarios, inflating PML on upslope exposures. Even in the lower-relief band, the built environment is embedded “throughout the forest” (residential wildland intermix), so wildfire loss is often dominated by ember (firebrand) exposure and structure ignition probability rather than direct flame contact alone—key drivers of AAL/EL for condo portfolios.