Mia Wafer

GIS Analyst

San Francisco, CA, US

Mia Wafer is a Geographic Information System (GIS) analyst with Milliman’s San Francisco Property and Casualty Practice. She joined the firm in 2023.

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Experience

Mia helps develop and manage the practice’s GIS databases and performs geospatial analyses to produce customized datasets to support rate making and climate resiliency planning.

Mia’s areas of expertise include:

Geocoding applications for insurance
Geospatial analyses utilizing hydrographic and elevation data sets for actuarial modeling
Drive time and routing analysis for network adequacy studies
Data visualization and cartography

Mia is interested on how climate-related risks are affected by climate change. She is especially interested in researching risks associated with wildfire and how community planning can increase wildfire mitigation. She has also helped lead projects analyzing community demographics, wildfire-related air quality effects on health, and future flood projections.

Publications and Presentations

Bradford, Garrett; Barth, Molly; Wafer, Mia. Geocoding for Insurance. July 19, 2023.

Education

BS, Earth Sciences, University of California, Santa Barbara
MS, Earth Sciences, Montana State University

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Publications

Read their latest work

Article

Geocoding for insurance: Why location matters in risk pricing

01 December 2025 - by Mia Wafer, Greg Dietzen, Garrett Bradford

We examine how geocoding processes that include multiple levels of spatial resolution can lead to more accurate quantification and pricing of risk.

Article

Geocoding for insurance: How to ensure precision and accuracy in the geocoding workflow

31 October 2024 - by Mia Wafer, Garrett Bradford

As part of our blog series on geocoding for insurance, we discuss how to identify potential bad results throughout the geocoding workflow.

Article

Geocoding for insurance: An overview

19 July 2023 - by Garrett Bradford, Molly Barth, Mia Wafer

This article reviews how geocoding is used by insurers, and we discuss pitfalls and issues, location information, and pricing impacts.

Mia Wafer

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Experience

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Read their latest work

Geocoding for insurance: Why location matters in risk pricing

Geocoding for insurance: How to ensure precision and accuracy in the geocoding workflow

Geocoding for insurance: An overview

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Mia Wafer

Experience

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