Pinpoint wildfire threat and take targeted action to reduce exposure and measure changing risk over time.

Wildfires threaten the viability of the insurance business in an increasing number of markets. To maintain a profitable business model, the status quo is no longer sufficient. That’s where Teren comes in.

WILDFIRE 4D IS FOR INSURERS & REINSURERS

Underwrite Where No One Else Can

Underwriters and insurers use Wildfire 4D to analyze defensible space within the home ignition zone and accurately evaluate ground-to-canopy wildfire fuels, reducing exposure and catastrophic loss.

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Wildfire 4D
See the trees through the forest

See What Other Carriers Can’t

Teren eliminates blind spots in wildfire underwriting with a unique combination of LiDAR and data science. Our approach penetrates tree tops to accurately measure wildfire risk posed by the full spectrum of vegetative fuels within the home ignition zone.

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4D Analytics

Predict, Identify, Prioritize, and Monitor External Force Threats over Time

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Defensible Space

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Surface Hydrology

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Structure Identification

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Vertical Spacing

FUEL IS THE ONLY FACTOR WE CAN CONTROL

Manage Fuel = Reduce Risk

While home-hardening products exist, they are expensive and difficult to verify. Vegetation removal or trimming is a low-cost alternative that immediately reduces wildfire risk by 30% and can be verified via fixed-wing LiDAR without disrupting the homeowner.

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Teren Community Wildfire Risk Scoring
COMMUNITY-level assessment

Teren’s Risk Scoring & Comparison

Teren scores parcels by adhering to defensible space standards, such as Firewise USA, and performs parcel-to-parcel comparisons within neighborhoods.

  • Generate risk scores at the parcel-level to underwrite properties in wildfire-prone markets
  • Communicate targeted vegetation removal & trimming requirements to homeowner
  • Deliver peer comparisons to neighborhoods to drive behavior change
  • Understand community & nearby property exposures