## Appendix A User Stories
This relies on information of dynamic risk (to insured losses) as asset (building) exposure and (building) vulnerability to hazard (not just today, but how it is likely to change). 3. Hazard User Stories 3.1 To determine where and when to strategically position resources (contracted or in-house) on the ground at the right location when needed and in response to mutual aid requests brokered between the public and local, state and federal agencies, a state/regional emergency responder relies on information of dynamic \"current\" fire \"risk\" (i.e., hazard) as it relates to changes in fuels, topography and weather. 3.2 To determine where and when to set fuel breaks (e.g., prescribe fire, hand crew, dozer, etc.) during response to active wildfire or in the \"shoulder\" season, a State/Regional Emergency Responder relies on information of dynamic \"current\" fire risk as it relates to evolving hazard of fuel condition (stress/moisture, beetles, etc. ), type (veg and urban), and accumulation. 3.3 To decide to defend a home or not, a Local/State/Regional Firefighter on the scene relies on information on home building materials. 3.4 To determine how many staff to hire in support of producing requested analytics by policymakers to assess capacity for meeting legislation mandates, a Resilience Planning Analytics Office relies on information of national scale, including rapid, annual updates of vegetation and fuels (updated 3D layers). 3.5 To manage risk/reward trade-offs in a natural perils insurance portfolio by deciding whether or not to take on a risk (e.g., wildfire exposure) and what to charge for that risk based on where it sits within company tolerance for loss as it is written, property, finance, insurance, reinsurance, and (re-)insurance companies model assets that they want to insure and send it to the underwriter who assesses the premium that can be charged for the risk, and an engineering team may visit the site and assess while offering services like mitigation advice. Underwriting then accepts/rejects risks and may initiate a process with the broker. Models are run daily on existing reinsured portfolios and monthly on the insured portfolios. This relies on information of dynamic hazards (not just today, but how it is likely to change). 3.6 To develop a strategic plan on what mitigation efforts to prioritize based on capability/capacity, infrastructure programs, and social justice that is often vetted with the local community through public engagement exercise and approved by city council/commissioner, a Local Land Manager/Land Use/Resilience Planning Administrator relies on information of dynamic fire hazard (as people cut trees, and structures are built/destroyed as combustible fuels). 3.4 To target communications and prepare communities about risk reduction needs and measures (e.g., evacuation routes and planning as well as home hardening), a Local/Regional/National Resilience Administrator relies on information of building locations. 3.8 To develop a wildfire strategy with priority high-risk areas and methods for reducing wildlife risk (fuels management--mechanical, prescribed fire, etc.) decided by rangers in each forest park and local Resilience Offices/County Commissioners and sometimes regionally (most contentious) often communicated and negotiated with the local communities, State/Regional Resilience Administrators rely on information of fuel composition updated quarterly. 4. Vulnerability User Stories 4.1 For Disaster Declarations, Regional Administrators write a recommendation to the President to determine how much grant dollars are needed for what kind of assistance and for how long to which communities to build capability for state and local-level response based on a cost-benefit analysis. To do this, a Regional Recovery Administrator relies on information of maps of the built environment (structure).