FutureProof Technologies Acquires Terrafuse AI to Create Industry-Leading Property Insurance Products

Business Wire

Combination of Terrafuse's Proven Wildfire Analytics and FutureProof's AI-Powered Underwriting Platform Positions Company as Premier Insurtech Solution for Disaster-Resilient Coverage

SAN DIEGO--(BUSINESS WIRE)--
FutureProof Technologies, the venture-backed insurtech revolutionizing property insurance through AI-driven underwriting, today announced that it has entered into a definitive agreement to acquire Terrafuse AI, a leading provider of wildfire risk analytics. This strategic acquisition combines Terrafuse's patented wildfire prediction technology with FutureProof's AI-enabled underwriting and pricing platform. This creates a comprehensive platform for offering next-generation insurance coverage in wildfire-affected states, where more insurance options are desperately needed.

The acquisition comes at a critical juncture for the property insurance industry, following the January 2025 Los Angeles wildfires that burned over 57,000 acres, destroyed more than 18,000 structures, and resulted in insured losses exceeding industry expectations. Terrafuse has been offering analytics in wildfire-prone property insurance markets since 2021, and has demonstrated exceptional prediction accuracy across time.

"This acquisition represents a key moment for both companies and the insurance industry at large," said Alisa Valderrama, Co-Founder and Co-CEO of FutureProof Technologies. "We have built an excellent track record and written over $1B in total insurable value since we launched in August 2024, with an emphasis on the Southeast. By integrating Terrafuse's proven wildfire models with our AI-powered underwriting platform, we can bring a similarly incisive view to pricing cat-exposed property in the west. Backed by validation from the insurance market including successful use by underwriters, Terrafuse’s machine learning models have been proven through multiple fire seasons and now helps extend FutureProof’s AI advantage into the West Coast market. This type of innovation, which leverages AI to bring new sources of capacity to resilient properties, is exactly what the market needs now."

“Terrafuse’s machine learning models continuously improve, updated each day with more than fifty distinct variables — from property-level details like roof type and building materials to microscale environmental factors such as wind direction, vegetation, vapor pressure deficit, fuel moisture, and humidity,” said Hunter Connell, Co-Founder and CEO of Terrafuse AI. “Where other wildfire models rely on coarse, infrequently updated vegetation maps or broad-scale weather grids, Terrafuse pinpoints the fine-grained, property-specific conditions that actually drive loss. This precision enables us to estimate burn probability and damage potential at 300-square-foot resolution. By integrating this capability with FutureProof’s proprietary pricing engine, we help more homeowners in high-risk regions gain access to affordable wildfire insurance and advance our founding mission to harness AI and climate science to protect communities from disasters.”

About FutureProof Technologies

FutureProof is a venture-backed insurance technology company leveraging AI to revolutionize property insurance in catastrophe-exposed markets. The company's proprietary technology automates underwriting decisions, enabling instant bindable quotes even for many complex risks, while creating incentives for property resilience. FutureProof operates both as a Managing General Agent (MGA) and insurance agency, backed by leading Silicon Valley and insurance sector investors including Innovation Endeavors and MS&AD Ventures. For more information, please visit www.futureprooftech.io.

About Terrafuse AI

Founded with a mission to provide actionable intelligence for a resilient earth, Terrafuse AI develops advanced wildfire risk prediction solutions using physics-informed machine learning. The company's technology was built by advanced AI and climate scientists trained at Stanford, Berkeley and MIT, and has been validated by partnerships with insurance companies, Microsoft, the U.S. Air Force, National Science Foundation (NSF), Lawrence Berkeley National Laboratory and National Aeronautics and Space Administration (NASA). Terrafuse's models have proven their effectiveness through multiple fire seasons, including exceptional performance during the 2025 Los Angeles wildfires.