Tammy Schwartz was VP of Underwriting & Operations at the California FAIR plan when she noticed that many of the properties that were arriving there were being non-renewed by the incumbent carrier for wildfire exposure, when, those exposures actually had minimum wildfire risk. This got Tammy to dig deeper and Black Swan Analytics was formed. In this episode, we discuss wildfire: the exposure, the risk, and the insurability of. We discuss the unique characteristics of the hazard that make it so difficult to insure and how property owners and communities can plan to prevent, mitigate and transfer this risk. We also discuss the use of wildfire models and analytics to inform those decisions.