The insulation layer of external wall insulation systems undergoes progressive degradation due to prolonged exposure to ultraviolet radiation and temperature-humidity cycles Especially when the outer protective layer is damaged or peels off detached, exposing the polymer material to the external environment, the aging process accelerates significantly. In this study, three common insulation materials—expanded polystyrene (EPS), extruded polystyrene (XPS), and rigid polyurethane (RPU)—were subjected to artificial accelerated aging conditions under controlled conditions that simulated the radiation and thermal effects. Scanning electron microscopy (SEM), Fourier transform infrared (FTIR), and thermogravimetric analysis were employed to elucidate the mechanisms by which aging affects the chemical structure. Cone calorimetry was used to evaluate the ignition characteristics, heat release, smoke production, and gas product toxicity of the aged insulation materials. An entropy-weighted insulation fire risk model quantified the evolving fire risk profiles of these aged insulation materials. After 150 aging cycles, the time to ignition of both EPS and XPS was significantly shortened, and the peak heat release rates increased by 25 % and 37 % respectively. Furthermore, after aging, the total heat release and total smoke production of RPU increased by 27 % and 16 %, respectively, at a radiant heat flux of 50 kW/m². Overall, RPU pronounced a significant increase in fire hazard under high level heat exposure. These findings provide valuable guidance for the aging-resistant design of external insulation systems and the management of aging fire risks.
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