Built for mitigation credit compliance.
The Problem
Underwriters can’t see the physical risk
to each home and how it’s changing.
As wildfire risk grows, so does the importance of property-level mitigation and home hardening. But today, underwriters can’t see the physical risk to each home and how it’s changing.
Instead, underwriters must rely on stale property insights or costly in-person inspections. This blind spot results in mispricing of risk, ballooning loss ratios, and additional time and expense to comply with regulations and grant mitigation credits.
The Product
Property Level, Physics-based
Wildfire Risk API
OmniFire allows carriers to remotely assess wildfire risk and mitigation with industry-leading recency. Our novel spectral science approach delivers roof composition, vegetation moisture content, and dynamic defensible space, reflecting actual on-the-ground conditions at the point of quote.
Benefits
Benefits of Spectral Intelligence 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 high refresh rate for accurate risk assessment, pre- and post-mitigation validation, and a reduction of costly homeowner objections.
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.
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?