Patent ID: 11948212
Assignee: CABRILLO COASTAL GENERAL INSURANCE AGENCY, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 6:
7. A tangible non-transitory computer readable storage media, including program instructions loaded into memory that, when executed on a plurality of processors cause the processors to implement a 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.