Resilience, quantified.
RockRose Risk delivers real, measurable results for commercial property owners and associations operating in high-risk wildfire zones. We work across complex, asset-intensive environments – including wineries, ski resorts, golf courses, HOAs, municipalities, schools, and mixed-use commercial properties – where traditional insurance models struggle to reflect true risk.
Homeowners Association (HOA)
A Data-Driven Path Back to Sustainable Coverage
Client: McCloud Condominium Association
Location: North Lake Tahoe, NV
Location: North Lake Tahoe, NV
Skyrocketing premiums and limited insurance options left McCloud vulnerable. RockRose delivered a data-driven wildfire mitigation plan that reduced risk, restored market access, and turned resilience into measurable savings.
30% premium reduction: From over $1.3M to $913,000, saving more than $400,000 annually.
Reinvestment in resilience: $120,000 directed back toward fuel reduction and defensible space.
Future gains expected: Continued mitigation projected to drive an additional 10–25% premium reduction at renewal.
Ski Hotel & Condo Resort
Modern Underwriting for a Fire-Adapted Mountain Resort
Client: The Gant Aspen
Location: Aspen, CO
Location: Aspen, CO
Despite years of investment in safety and modernization, The Gant Aspen faced soaring premiums and limited carrier options because traditional underwriting failed to recognize its true, reduced wildfire risk. RockRose rebuilt the risk profile with evidence, modeling, and verified mitigation – resulting in significant savings and broader coverage.
43.6% total cost reduction: Premium reduced from over $2M to $1.17M, saving $911,598 mid-term.
Broader protection: Expanded coverage including access to flood and earthquake options.
Future improvements expected: Continued mitigation positions The Gant for an additional 10–20% premium reduction at renewal.
Homeowners Association (HOA) & Municipality
Building Tahoe’s First Replicable Model for Community-Scale Wildfire Resilience
Client: Fire Smart Community Pilot
Location: Incline Village, NV
Location: Incline Village, NV
Launched in partnership with local fire officials, researchers, and a willing HOA, the Pilot set out to identify and implement the highest-impact mitigations across a 61-acre mountain community. By combining advanced technology with on-the-ground verification, the project is demonstrating what it takes to create a truly fire-ready neighborhood – and a model others can follow.
Risk prioritized with precision: Parcel-level fuels, structure conditions, and topography analyzed to identify the mitigations that matter most.
Mitigation underway at scale: Community-wide defensible space, vegetation management, and ignition-resistant improvements underway across hundreds of homes and common areas.
A repeatable blueprint: The Pilot is producing a replicable, exportable model for communities throughout Tahoe and the broader West – supporting safer outcomes and future alignment with insurers.
Our approach.
Identifying each property’s unique wildfire risk fingerprint
Assessing exposure at both the macro and micro level
Evaluating mitigation work already completed
Partnering with leading mitigation technology providers where gaps exist
Verifying results through inspections and documentation
Translating fragmented data into intelligence that connects mitigation to credible, carrier-aligned risk profiles that underwriters trust
For our customers, this approach means an average premium savings of 35% or more, along with expanded coverage terms and a clearer path to long-term insurability.
Our Partners
