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Risk assessment methods are briefly reviewed and the advantages of simulation ate discussed. ERS is developing a zone model (CRISP 11) of the complete fire system for this purpose. CRISP II is written in object-oriented fashion for maximum flexibility. The types of objects currently modeled are items of furniture, hot and cold gas layers, vents, walls, rooms, alarms, fire brigade and occupants of the building. The occupants exhibit the most complex object behavior. Their actions in a domestic dwelling are governed by a table of rules. Each action requires the person to move to a specified room, followed by a time delay until the action is complete. The action may be abandoned before completion if room conditions become untenable, or the person is overcome by toxic products. In the final section of the paper it is shown how the model may be used for Monte-Carlo studies of risk in domestic houses.