Feed real-time wildfire perimeter data into an underwriting exclusion workflow using public geospatial hazard feeds

Steps

1. Identify authoritative wildfire perimeter data sources: NIFC (National Interagency Fire Center) publishes active fire perimeters as ArcGIS REST feature services and as downloadable GeoJSON; USGS Hazards also links to fire-related data products
2. Subscribe to the NIFC active perimeter ArcGIS feature service by querying the REST endpoint with a bounding box filter for your portfolio's geographic footprint; poll at your desired update frequency (perimeters update multiple times daily during active fires)
3. Parse the GeoJSON polygon features representing current fire perimeters; union overlapping perimeters from multiple fire events into a single exclusion zone geometry if needed
4. Perform a spatial intersect between the exclusion zone geometry and your geocoded active policy database to identify policies where the insured property falls within or within a configurable buffer distance of a current fire perimeter
5. Flag matched policies in your underwriting system for binding suspension and mid-term endorsement restriction; log the fire event ID, perimeter version timestamp, and match result against each policy for audit
6. On fire containment (perimeter status changes to 'contained' or disappears from active feed), remove the flag and allow normal underwriting to resume for affected locations