Assess wildfire risk with spectral property insights.
Remotely measure the material composition and parcel-level conditions that drive structural loss, from current defensible space compliance to vegetation moisture to roof material. Our system interrogates spectral signatures within satellite, aerial, and drone imagery to produce dynamic, new-to-the-world risk signals with industry-leading recency.
Properties covered at launch
CA & CO
Built for mitigation credit compliance.
The Problem
Underwriters can't see the physical risk
to each home and how it's changing.
Wildfires burn at the property level. That gap is where losses live. CA AB 3074 and CO HB25-1182 now require property-level risk assessment and mitigation discounts at underwriting.
Oregon and Washington are drafting similar legislation. Zip-code underwriting isn't just imprecise anymore. In these states, it's non-compliant.Existing property intelligence solutions see pixels. OmniFire reads physics. Standard computer vision can classify a roof by appearance. Spectral science measures its material composition, moisture content, and ember resistance. The difference isn't resolution. It's your loss ratio.
Benefits
Benefits of Spectral Intelligence AI for Insurance
New-Net Risk Signals
Vegetation. Roofs. Siding. Some materials are more fire-resistant than others. We can tell the difference.
100% Coverage
Verify mitigation and structure conditions from above, at every address, at scale
Best-in-Class Recency
with daily refresh for accurate risk assessments and a reduction of costly homeowner complaints.
Stay Compliant
with CA AB 3074 and CO HB25-1182 - auditable, explainable property-level signals.
Reduce Structural Loss
by up to 52% - underwrite on measured conditions, not modeled estimates (Nature Communications, 2025).
Scalability & Growth
AI adapts to your business needs, allowing you to scale efficiently without increasing workload or costs.
Features
Introducing Material Intelligence
Material & Condition Detection
AI sees pixels. OmniFire assesses material composition.
Using our proprietary spectral intelligence, we extract hundreds of bands from standard RGB and RGBi imagery - delivering hyperspectral-level material and condition detection at the property level.
Loss Ratio
Property Level
Multi-Resolution Tiers
Signals From Above - 3 Ways
OmniFire combines the precision of aerial and drones with the revisit of satellites to classify roof material, measure defensible space, and verify mitigation at the parcel level. Three resolution tiers. One API response.
Summaries
Classification
Many more
Dynamic Updates
Dynamic Risk Profiling
Most wildfire risk scores are assigned at bind and remain unchangedheld until renewal. OmniFire risk profiles move with conditions. Pre-season analyses sweeps establish baseline risk before wildfire season opens. A risk profile that updates is a risk profile you can act on.
Renewal Notifications
Pre-Season Updates
Condition-based
Seamless Integration
Enterprise-grade API and Integrations
Our API is compatible with major policy administration systems (Guidewire, Duck Creek, Socotra), enabling seamless embedding of parcel-level wildfire risk into underwriting, renewal decisions, and claims processing.
Guidewire +
Duck Creek +
Socotra +
The regulations are here. Are your underwriters ready?
Regulatory Readiness
California and Colorado have moved from guidance to mandate, while Oregon and Washington are drafting similar legislation. OmniFire signals conform to the property-level assessment, mitigation discount, and disclosure requirements in both bills.
CA AB 3074
Fire Prevention: Defensible Space & Ember-Resistant Zones
Mandates a five-foot ember-resistant Zone Zero around all structures, in addition to existing Zone 1 (5–30ft) and Zone 2 (30–100ft) defensible space requirements. Carriers must document physical compliance - not estimated conditions - at underwriting and renewal.
CO HB25-1182
Risk Model Use in Property Insurance Policies
Requires insurers to incorporate property-specific mitigation - defensible space, structure hardening, mitigation certification - into underwriting and pricing. Annual written disclosure of wildfire risk score and available mitigation discounts to every policyholder. Policyholders have the right to appeal their score.
Signed: 2025
In effect: July, 2026
Applies to: All property insurers using wildfire risk models or scoring methods
Property-specific mitigation signal
Annual policyholder disclosure report
Mitigation discount eligibility signal
Appeal-ready audit trail
FAQs
Questions?
How is OmniFire different from existing wildfire risk insights and scores?
How current is the imagery and how often are signals updated?
How does OmniFire map to CA AB 3074 and CO HB25-1182 compliance requirements specifically?
We already use aerial imagery. What does OmniFire add?
What is OmniGeo?