FutureProof Technologies
AI-powered climate risk analytics for smarter insurance underwriting
Overview
FutureProof Technologies is an AI-driven climate risk analytics company founded in 2019 in San Diego, California. The company builds machine learning models that predict property losses from hurricanes, flooding, wildfire, and severe convective storms at the individual asset level, helping insurance carriers and reinsurers select and price climate risk more profitably.
The company addresses a fundamental market failure: the true cost of climate risk is not reflected in insurance pricing, leaving carriers exposed to adverse selection and unexpected losses. FutureProof's high-resolution risk scoring tools give underwriters and actuaries the granular data they need to differentiate risk at the property level rather than relying on broad geographic proxies.
In addition to its analytics platform, FutureProof Technologies operates FutureProof Insurance Agency, a wholly-owned subsidiary MGA launched in February 2025 that distributes property insurance through wholesale brokers and has written over USD 1 billion in total insurable value since its August 2024 soft launch.
Products & Services
AI Risk Modeling Platform
Machine learning platform covering hurricane wind, flood, wildfire, and severe convective storm exposures. Models combine satellite imagery, engineering data, and climate science to produce high-granularity catastrophe risk scores at the individual property level, enabling near-real-time risk scoring and pricing for property insurance and reinsurance applications.
Key Features
- Multi-peril coverage: hurricane, flood, wildfire, severe convective storm
- Asset-level risk scores using satellite imagery and engineering inputs
- Near-real-time pricing outputs for underwriting decisions
- Algorithmic underwriting differentiation beyond ZIP-code-level proxies
Target Users: Insurance carriers, reinsurers, MGAs seeking superior risk selection
FutureProof Insurance Agency (MGA Subsidiary)
Launched February 2025, a wholly-owned subsidiary insurance agency that distributes property insurance policies through a network of wholesale brokers. The agency partners with 20+ major insurance carriers and provides real-time, algorithmically-priced quotes via REST API integration.
Key Features
- Real-time bindable quotes powered by FutureProof's AI pricing engine
- Network of 20+ carrier appointments
- Wholesale broker distribution model
- Emphasis on Southeast US property market
Target Users: Wholesale brokers seeking high-quality property risk
API and Underwriting Engine
Real-time REST API that delivers instant, bindable quotes with price differentiation based on asset-specific risk factors. Wholesale brokers integrate directly to source high-quality risk in reduced time-to-quote.
Key Features
- Instant REST API quote delivery
- Asset-specific risk differentiation
- Carrier-agnostic integration layer
- Supports both primary insurance and reinsurance use cases
Target Users: Wholesale brokers, carrier underwriting teams, reinsurers
Wildfire Modeling (Terrafuse AI)
Following the November 2025 acquisition of Terrafuse AI, FutureProof gained patented wildfire prediction technology that demonstrated exceptional performance during the 2025 Los Angeles wildfire season. This expanded the platform's wildfire and climate modeling depth.
Key Features
- Patented wildfire spread and intensity prediction
- Integration with FutureProof's multi-peril risk platform
- Validated performance during major real-world wildfire events
Target Users: Carriers and reinsurers with California and Western US property exposure
At a Glance
- Founded
- 2019
- Headquarters
- San Diego, CA, USA
- Employees
- 11-50
- Funding
- Seed
Category & Focus
- Category
- Underwriting & Risk
- Subcategories
- Catastrophe Risk Modeling Climate Risk Analytics Algorithmic Underwriting
- Insurance Verticals
- P&C Personal P&C Commercial Specialty/E&S Reinsurance
- Target Customers
- Carriers, Reinsurers, MGAs/MGUs, Brokers
Customers
- 20+ major insurance carriers (names not publicly disclosed)
- Wholesale brokers across the United States
- Global reinsurers and re/insurance markets
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Last updated: 2026-05-12