RedZone

Intelligent wildfire and natural disaster intelligence for insurance, utilities, and emergency response.

Underwriting & Risk Established Bootstrapped

Overview

RedZone provides intelligent wildfire and natural disaster monitoring, risk assessment, and exposure management solutions for insurance carriers, public utilities, emergency responders, and private fire companies across the United States. Founded in 2002 by Clark Woodward, a geographer and volunteer firefighter, and Allison MacCormick, a software programmer, the company has spent over two decades combining expert analysts with machine-learning algorithms for disaster detection, risk quantification, and response.

The company serves the full insurance lifecycle, from underwriting risk scoring through active wildfire response and portfolio-level catastrophe analytics. RedZone has built a reputation for deep domain expertise, blending proprietary probabilistic models, real-time satellite and sensor data, and on-the-ground field teams.

RedZone has participated in the Lloyd's Lab accelerator program and maintains integrations with Duck Creek, Fulcrum, Boomi, and Snowflake. Its RZRisk model has been filed and approved by regulators in Oregon, Montana, and Nevada.

Products & Services

RZRisk

Wildfire underwriting hazard model that quantifies wildfire risk by frequency and severity. Calculates Average Annual Loss and builds correlated risk zones for group-level exposure analysis. The model accepts latitude/longitude inputs via REST API and returns reports in JSON format. Integrated with Duck Creek underwriting platforms. Filed and approved in Oregon, Montana, and Nevada.

Key Features

Probabilistic wildfire simulations for risk zone construction
Average Annual Loss calculation per property
REST API integration (JSON output) for Duck Creek and other platforms
State-approved model in OR, MT, NV

Target Users: Insurance underwriters and portfolio managers

RZAlert

Real-time natural disaster monitoring and response platform providing near-real-time wildfire detection across the U.S. with email notifications and web dashboards. Launched in 2006.

Key Features

Live incident tracking and wildfire mapping
Email and web dashboard alerts
Analytics and analysis capabilities
Field support and response coordination

Target Users: Insurance carriers, public utilities, emergency responders

RZIntel

Interactive decision support and analysis center opened in 2011 in San Diego. Provides value-added analysis, expert interpretation, and field support for clients during active wildfire events.

Key Features

Expert analyst support
Interactive mapping and decision tools
Field coordination during active disaster events

Target Users: Insurance carriers, public utilities

RZExposure

Probabilistic wildfire hazard model for portfolio-level exposure analysis and concentration risk management. Released in 2018.

Key Features

Portfolio-level wildfire exposure quantification
Concentration risk and aggregation management
Probabilistic loss modeling

Target Users: Insurance carriers, reinsurers

At a Glance

Founded: 2002
Headquarters: Boulder, Colorado and San Diego, California, USA
Employees: 11-50
Funding: Bootstrapped

Category & Focus

Category: Underwriting & Risk
Subcategories: Wildfire risk modeling catastrophe analytics natural disaster intelligence real-time monitoring
Insurance Verticals: P&C Personal P&C Commercial Specialty/E&S Reinsurance
Target Customers: Carriers, Reinsurers