FutureProof Technologies has announced the acquisition of Terrafuse AI, a move designed to strengthen its position as a leader in AI-driven property insurance solutions. The combination brings together Terrafuse’s advanced wildfire risk analytics with FutureProof’s AI-powered underwriting and pricing platform, creating a comprehensive solution tailored for disaster-resilient insurance in high-risk regions, particularly across the western United States. The acquisition comes at a pivotal moment for the property insurance industry, following the devastating January 2025 Los Angeles wildfires that scorched over 57,000 acres, destroyed more than 18,000 structures, and triggered insured losses that surpassed industry forecasts. These events have intensified the need for innovative insurance products that can accurately assess and price risk in wildfire-prone areas. Terrafuse AI has been delivering wildfire risk analytics to property insurance markets since 2021, earning recognition for its high prediction accuracy across multiple fire seasons. Its proprietary machine learning models analyze more than fifty dynamic variables daily—ranging from property-specific features like roof type and construction materials to microscale environmental conditions such as wind direction, vegetation, vapor pressure deficit, fuel moisture, and humidity. Unlike traditional models that rely on outdated or coarse-grained data, Terrafuse delivers burn probability and damage potential estimates at a 300-square-foot resolution, enabling highly precise risk assessments. Alisa Valderrama, Co-Founder and Co-CEO of FutureProof Technologies, emphasized the strategic importance of the acquisition. “This is a defining moment for both companies and the broader insurance industry,” she said. “Since launching in August 2024, we’ve written over $1 billion in total insurable value, primarily in the Southeast. By integrating Terrafuse’s proven wildfire models with our AI underwriting engine, we’re extending our capabilities to the West Coast with the same level of precision and speed. Backed by real-world validation from underwriters and insurers, this integration allows us to offer affordable, data-driven coverage to more homeowners in high-risk zones—exactly what the market demands.” Hunter Connell, Co-Founder and CEO of Terrafuse AI, highlighted the scientific rigor behind the company’s technology. “Our models are built by AI and climate scientists from Stanford, Berkeley, and MIT, and they continuously learn from new data. The ability to update daily with granular, real-time environmental inputs gives us a distinct edge. By combining this with FutureProof’s pricing engine, we’re not just predicting risk—we’re helping expand access to insurance for resilient properties and advancing our mission to use AI and climate science to protect communities.” FutureProof Technologies, a venture-backed insurtech company, leverages artificial intelligence to automate underwriting, deliver instant bindable quotes—even for complex risks—and incentivize property resilience. The company operates as both a Managing General Agent (MGA) and insurance agency, backed by prominent investors including Innovation Endeavors and MS&AD Ventures. Terrafuse AI’s technology has been validated through partnerships with major institutions such as Microsoft, the U.S. Air Force, the National Science Foundation (NSF), Lawrence Berkeley National Laboratory, and NASA. Its performance during the 2025 Los Angeles wildfires further demonstrated the reliability and real-world impact of its predictive models. The acquisition marks a significant step forward in the effort to build a more resilient and accessible insurance market in the face of escalating climate risks.