Terrafuse AI
AI-powered climate risk intelligence platform for wildfire-prone property insurance underwriting
Overview
Terrafuse AI provides climate risk intelligence solutions for property insurers, specializing in hyperlocal wildfire risk prediction using machine learning and earth observation data. The company analyzes 50+ environmental variables including building density, fuel moisture, vegetation density, and atmospheric conditions to generate property-level wildfire risk scores at 300-square-foot resolution. Founded in 2018 by AI and climate scientists trained at Stanford, Berkeley, and MIT, Terrafuse was acquired by FutureProof Technologies in November 2025 to integrate wildfire analytics with AI-enabled underwriting and pricing solutions.
The platform delivers actionable risk intelligence through multiple channels: direct risk scoring (1-10 scale with burn probability and damage potential), high-resolution climate analytics 1,000x faster and 100x cheaper than competing solutions, REST API integration for embedding scores into carrier and MGA underwriting workflows, and a public wildfire risk tool for California properties. The technology has been validated through research partnerships with Microsoft, the U.S. Air Force, National Science Foundation, Lawrence Berkeley National Laboratory, and NASA.
Terrafuse operates as a wholly-owned subsidiary of FutureProof Technologies, an MGA and insurance agency that has written over USD 1 billion in total insurable value since its August 2024 launch. FutureProof is backed by Innovation Endeavors and MS&AD Ventures, positioning Terrafuse within a broader property insurance platform combining climate intelligence with AI-enabled claims and underwriting capabilities.
Products & Services
Wildfire Risk Scoring System
Core product delivering actionable risk scores on a 1-10 scale for specific properties and locations. Provides burn probability and damage potential estimates at 300-square-foot property resolution, enabling highly precise risk assessments for property insurance underwriting and pricing.
Key Features
- Hyperlocal property-level risk assessment (300-square-foot resolution)
- Burn probability and damage potential estimation
- Integration with existing underwriting workflows
- Real-time updates based on seasonal condition changes
Target Users: Property insurers, managing general agents, insurance brokers
High-Resolution Climate Analytics
Advanced machine learning models with atmospheric physics embedding analyzing 50+ dynamic environmental variables. Delivers predictions 1,000x faster and 100x more cost-effective than competing solutions through processing of billions of earth observational data points.
Key Features
- Advanced machine learning with physics-informed modeling
- Real-time environmental variable monitoring
- Rapid processing of massive earth observation datasets
- Comparative cost and performance advantages
Target Users: Enterprise insurers, MGAs, reinsurers
API Integration Platform
REST-based API enabling embedded climate risk intelligence in customer insurance systems. Allows carriers, MGAs, and brokers to access Terrafuse's risk scores directly within underwriting workflows without application changes.
Key Features
- REST API with industry-standard authentication
- Seamless integration with underwriting platforms
- Real-time score delivery
- Scalable multi-tenant architecture
Target Users: Technology-forward carriers, MGAs, and brokers
Climate Mitigation Intelligence
Quantifies how property-specific mitigation actions (roof installation, vegetation management, etc.) reduce insurance risk and impact policy pricing. Provides actionable risk reduction pathways linked to underwriting decisions.
Key Features
- Mitigation impact modeling
- Risk reduction pathway identification
- Premium adjustment recommendations
- Actionable property-level guidance
Target Users: Underwriters, loss control teams, policyholder engagement
Public Wildfire Risk Tool
Free online assessment tool for California properties serving as lead generation and product demonstration platform. Provides property owners with wildfire risk awareness and mitigation recommendations.
Key Features
- No-login access for California properties
- Property-level risk scoring
- Mitigation recommendations
- Lead capture and product education
Target Users: Property owners, agents, insurance consumers
At a Glance
- Founded
- 2018
- Headquarters
- Berkeley, California
- Employees
- 11-50
- Funding
- Acquired
Category & Focus
- Category
- Underwriting & Risk
- Subcategories
- Risk Scoring Climate Analytics Wildfire Risk Assessment
- Insurance Verticals
- P&C Personal P&C Commercial
- Target Customers
- Carriers, Brokers, MGAs
Customers
- DAIS Technology (partner for UnderwriteGPT integration)
- FutureProof Technologies (parent company)
- Microsoft (research validation)
- U.S. Air Force (technology validation)
- National Science Foundation (research partnership)
- Lawrence Berkeley National Laboratory (climate science validation)
- NASA (earth observation data partnership)
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Last updated: 2026-06-17