A method for computing a PhiChi score, four category scores, 4score and a Fire Composite Threat (FCT) score for a property comprises providing a fire composite score computation system comprising a processor, a memory unit, a fire composite score model, a graphical user interface (GUI), and a network interface card. A fire composite score reference table is stored within the memory unit comprising a first and a second set of variables. The first set of variables are derived from geospatial artificial intelligence (GEOAI) and wildfire data available in public databases. The second set of variables are derived from user feedback. Individual variable scores for the variables in the first and second set, the PhiChi score, the 4score comprising a Fuel score, an Ignitions score, a Susceptibility score and a Hazards score, and the FCT score are computed using the fire composite score model and the fire composite score reference table.