Overview
RockRose Risk is a wildfire risk brokerage serving property owners in California, Nevada, and Colorado. Founded in 2024 and based in Napa, California, the company places property insurance for homeowners, HOAs, schools, vineyards, resorts, and public facilities in wildfire-exposed areas, using on-site assessment data to support underwriting and pricing decisions.
The company began as a commercial-property brokerage before adding a residential product in July 2026: a California FAIR Plan offering for homeowners who have been non-renewed by standard carriers, layered with mitigation-based discounts. It works with a network of carrier partners and reports placing coverage on roughly USD 7 billion in property value.
RockRose's assessment process combines defensible-space verification, fire-behavior data, and a purpose-built ground vehicle called "Rosebud," equipped with lidar and cameras, to document parcel-level conditions that satellite and ZIP-code-based models do not capture. That data feeds mitigation-linked underwriting reports intended to translate property-level fire mitigation work into lower premiums; case studies published by the company report renewal reductions of roughly 30-70% for affected HOAs.
Products & Services
Commercial Property Insurance
Mitigation-linked commercial property coverage for HOAs, schools, vineyards, resorts, and public facilities in wildfire-exposed areas. RockRose conducts on-site risk assessments and produces mitigation-based underwriting reports for its carrier partners.
Key Features
- On-site wildfire risk assessment
- Mitigation-based underwriting reports
- Placement across a network of carrier partners
Residential Insurance (California FAIR Plan)
Launched in July 2026, this product places non-renewed homeowners into California's FAIR Plan and layers mitigation-based discounts on top of standard pricing.
Key Features
- FAIR Plan placement for non-renewed homeowners
- Mitigation-based premium discounts
Wildfire Mitigation Assessment (Rosebud Rover)
A ground-based assessment vehicle equipped with lidar and cameras that captures parcel-level wildfire conditions not visible to satellite or ZIP-code-based models, feeding RockRose's risk-scoring and underwriting-report process.
Key Features
- Lidar and camera-based parcel scanning
- Feeds risk-scoring and underwriting documentation
Premium Financing
Commercial premium financing, with terms that vary by carrier, lender, and state.
At a Glance
- Founded
- 2024
- Headquarters
- Napa, California, USA
- Employees
- 11-50
- Funding
- Seed (USD 9M, 2026)
Category & Focus
- Category
- Specialty Solutions
- Subcategories
- Underwriting & Risk
- Insurance Verticals
- P&C Personal P&C Commercial
- Target Customers
- Consumers
Customers
- McCloud Condominium HOA (North Lake Tahoe, NV)
- Incline Village HOA (Lake Tahoe, NV)
~USD 7B+ in protected property value
Links
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Last updated: 2026-08-06