# Wildfire Risk

> Wildfire Risk prices, pools, transfers, or socializes risks attached to property and place

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:tax-insurance-climate:wildfire-risk` |
| Family | Tax, Insurance & Climate Risk |
| Domain | Economics |
| Era | Institutional Age → Collective Age |
| Kind | pathology-or-event |
| Archetype | The Reversion |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

Wildfire Risk is a pathology or event in the Tax, Insurance & Climate Risk family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

Wildfire Risk prices, pools, transfers, or socializes risks attached to property and place.

## Why it exists

It exists because place is unique and immovable while law, capital, information, and human lives must still coordinate around it across time.

## System mechanics

- **Who uses it:** owner, occupant, buyer, seller, lender, investor, steward, regulator
- **Incentives:** access, certainty, control, value, continuity
- **Inputs:** place, people, records, rules, resources, time
- **Outputs:** rights, constraints, uses, relationships, consequences
- **Dependencies:** Land, Authority, Information, Capital, Time

## Archetypal reading

- **Essence:** Wildfire Risk prices, pools, transfers, or socializes risks attached to property and place
- **Gift:** Clarity about wildfire risk makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When wildfire risk is treated as neutral or inevitable, its costs can be shifted to people who hold less information, authority, liquidity, or mobility.
- **Failure mode:** The failure mode appears when wildfire risk is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

- **Personal:** Notice where wildfire risk appears as a structure in your own commitments: what is held, promised, priced, protected, excluded, or deferred?
- **Business:** Wildfire Risk reveals a handoff among information, authority, incentives, operating work, and capital. Make the owner of each handoff explicit.
- **Financial:** Wildfire Risk changes the timing, priority, comparability, liquidity, or distribution of cash flow and risk.
- **Property:** Wildfire Risk changes how a physical place can be used, valued, financed, transferred, occupied, maintained, or reclaimed.
- **Community:** Wildfire Risk can create benefits inside one parcel while exporting costs or opportunity to neighbors, institutions, or future residents.

## Divination

The Reversion enters the reading through Wildfire Risk. The issue is not only what is visible; it is which map of ownership, time, risk, authority, or belonging currently governs the situation.

**Question:** Which earlier warning became visible only after Wildfire Risk arrived?

**Guidance:** Trace the failure backward through incentives, information, leverage, timing, and feedback rather than locating blame at the final visible event.

## Game function

Enters as a systemic event that exposes hidden leverage, deferred cost, or misaligned incentives. Initiative 4.

## Relationships

- **Office of the Comptroller of the Currency is governed by Wildfire Risk.** Office of the Comptroller of the Currency is governed by Wildfire Risk through a change in rights, information, cash flow, priority, timing, or physical use.
- **Floodplain amplifies Wildfire Risk.** Floodplain amplifies Wildfire Risk through a change in rights, information, cash flow, priority, timing, or physical use.
- **Wildfire Risk conflicts with Sea-Level Rise.** Wildfire Risk conflicts with Sea-Level Rise through a change in rights, information, cash flow, priority, timing, or physical use.
- **Wildfire Risk externalizes to Sovereign Wealth Fund.** Wildfire Risk externalizes to Sovereign Wealth Fund through a change in rights, information, cash flow, priority, timing, or physical use.

## Oppositions

- Use Value versus Exchange Value
- Speed versus Diligence

## Historical lineage and regulatory context

Read Wildfire Risk through the lineage of Tax, Insurance & Climate Risk: earlier customary or local arrangements became recorded, standardized, financed, regulated, digitized, or contested over time.

Rules vary by jurisdiction and transaction. Use the cited primary sources as starting points and verify current local law, program guides, contracts, and professional standards before operational use.

## Visual direction

Text-free rounded-square enamel artifact for Wildfire Risk: a beautiful structure whose hidden fracture propagates through claims, cash flows, and neighboring parcels; vitreous midnight enamel, blackened steel, warm brass, copper accents, mortgage-paper cream, deep green, slate, and sky blue.

## Engine output / Sentinel handoff

The generative interpretation above is preserved as Engine Output. Sentinel factors: jurisdiction-specific rules, factual uncertainty. These factors request contextual review; they do not delete or silently rewrite the candidate.

## Research / provenance

- [National Flood Insurance Program Flood Insurance Manual](https://www.fema.gov/sites/default/files/documents/fema_nfip_flood-insurance-manual_042024.pdf) — Federal Emergency Management Agency; flood insurance and insurable interests.
- [Risk-Based Brownfields Cleanups](https://www.epa.gov/brownfields/risk-based-brownfields-cleanups) — U.S. Environmental Protection Agency; contamination, remediation, reuse, institutional controls.
- [Commercial Building Performance Monitoring and Evaluation](https://www.energy.gov/cmei/buildings/commercial-building-performance-monitoring-and-evaluation) — U.S. Department of Energy; building performance metrics and evaluation.
