US 11,948,212 B1
Classification of wildfire danger
John Elbl, Gainesville, FL (US); and Eric Weibel, Gainesville, FL (US)
Assigned to CABRILLO COASTAL GENERAL INSURANCE AGENCY, LLC, Gainesville, FL (US)
Filed by Cabrillo Coastal General Insurance Agency, LLC, Gainesville, FL (US)
Filed on Dec. 14, 2020, as Appl. No. 17/121,515.
Claims priority of provisional application 62/948,153, filed on Dec. 13, 2019.
Int. Cl. G06Q 50/00 (2012.01); G01V 99/00 (2009.01); G06F 16/28 (2019.01); G06F 17/18 (2006.01); G06Q 10/067 (2023.01); G06Q 30/0204 (2023.01); G06Q 50/16 (2012.01); G06Q 50/26 (2012.01)
CPC G06Q 50/16 (2013.01) [G01V 99/00 (2013.01); G06F 16/285 (2019.01); G06F 17/18 (2013.01); G06Q 10/067 (2013.01); G06Q 30/0205 (2013.01); G06Q 50/26 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A computer-implemented method of simulating of wildfire conflagration damage to structures assigned to regions within an area, including Monte Carlo fire conflagration analysis, the method including actions of:
initializing an area with macro fire conflagration characteristics that express propensity of parts of the area to accommodate ignition and/or movement of fire;
performing a first Monte Carlo fire conflagration analysis for the area to simulate numerous randomly distributed ignitions and fire spread conditions using the macro fire conflagration characteristics to generate macro fire conflagration scores (MAFC scores) that summarize results of the simulated ignitions and fire spread for the parts of the area;
initializing the area with notional structures and individually or collectively encoded site characteristics reflecting at least site vegetation, fireproof construction rating, and firefighting capabilities of organization(s) expected to respond to fires approaching the notional structures;
performing a second Monte Carlo fire conflagration analysis to simulate numerous randomly distributed ignitions, fire spread conditions and resulting damage to the notional structures, including average annual losses to generate micro fire conflagration scores (MIFC scores) for that summarize the average annual losses;
wherein the MAFC and the MIFC scores are useful for predicting average annual losses to a structure of interest at a site in the area.