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Terrafuse AI

AI-powered climate risk intelligence platform for wildfire-prone property insurance underwriting

Underwriting & Risk Growth Acquired
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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)

Links

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Last updated: 2026-06-17