Cape Analytics is offering a new product that, it said in a statement, allows home insurance carriers to systematically assess wildfire vulnerability for properties across the United States. It provides information about vegetation clearance and fuel load within the home ignition zone, critical factors in evaluating wildfire risk.

Cape Analytics said that it is leveraging AI and geospatial imagery to provide an industry first: defensible space data across the United States at the individual property level.

Cape Analytics said that its wildfire intelligence includes:

• Distance to nearest vegetation, most critical in the zone immediately surrounding the structure that should be free of all tree limbs and fire-prone vegetation.
• Surrounding fuel load calculations for individual homes and whole neighborhoods, with multiple radial zones to score property fuel density.
• Granular detection of property vegetation and structure rooftop perimeter, using six cm resolution aerial imagery across the continental U.S.
• Integration of contextual USDA Forest Service Wildfire Hazard Potential scores.

“Delivering a unique, location-specific understanding of fuel loads around a property precipitates the next leap in understanding wildfire risk and defensible space at the most granular level,” said Kevin Van Leer, client solutions manager at Cape Analytics. “Cape Analytics is building on the industry's recent technological strides in response to major events, such as explicit ember transport in catastrophe models as well as updated hazard scores. The suite of wildfire tools now available better address traditional underwriting, rating, and portfolio management.”