{"id":60807,"date":"2025-08-21T03:00:16","date_gmt":"2025-08-21T01:00:16","guid":{"rendered":"https:\/\/housesmarketplace.com\/tech-startup-offering-ai-driven-property-level-risk-modeling\/"},"modified":"2025-08-21T03:00:16","modified_gmt":"2025-08-21T01:00:16","slug":"tech-startup-offering-ai-driven-property-level-risk-modeling","status":"publish","type":"post","link":"https:\/\/housesmarketplace.trio-tv.com\/ru\/tech-startup-offering-ai-driven-property-level-risk-modeling\/","title":{"rendered":"\u0422\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0441\u0442\u0430\u0440\u0442\u0430\u043f, \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u044e\u0449\u0438\u0439 \u043c\u043e\u0434\u0435\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0440\u0438\u0441\u043a\u043e\u0432 \u043d\u0430 \u0443\u0440\u043e\u0432\u043d\u0435 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438 \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u0438\u0441\u043a\u0443\u0441\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u0438\u043d\u0442\u0435\u043b\u043b\u0435\u043a\u0442\u0430"},"content":{"rendered":"
\n

San Diego-based startup FutureProof<\/strong> is using artificial intelligence (AI) to change the way insurers assess catastrophe risk and set premiums, a shift that could make insurance both more affordable and easier to come by in disaster-prone regions.<\/p>\n

\u201cFutureProof started with thinking about the build environment and everyone\u2019s homes and businesses,\u201d FutureProof co-founder and co-CEO Alisa Valderrama told HousingWire. \u201c[What] I saw was that there wasn\u2019t an easy way for property owners to calculate the return on investment if they were going to make improvements to their property [that would] make them more climate resilient and resilient to natural disasters.\u201d<\/p>\n

Valderrama, who came from a background in infrastructure finance and energy efficiency, said property owners can easily calculate paybacks on energy investments like insulation or solar panels, but the economics of disaster<\/a> resilience have been far less clear.<\/p>\n

\u201cWhat we decided to do was ultimately use AI in order to create a new model that could tell property owners not just what their risk looked like today given their property features, but also how their risk would go down if those property features were altered,\u201d she said.<\/p>\n

Property by property, not zip code by zip code<\/h2>\n

The company\u2019s biggest innovation lies in moving away from traditional underwriting<\/a> practices that often paint entire neighborhoods with a broad brush.<\/p>\n

\u201cHere in California, there are property owners who don\u2019t live anywhere near open space, and yet they can\u2019t get insurance because somewhere in their zip code, there\u2019s some exposure to fire,\u201d Valderrama said. <\/p>\n

Instead of relying on broad zip code-based risk maps<\/a> and subjective human judgment, FutureProof\u2019s algorithm analyzes details such as roof condition and building materials. <\/p>\n

\u201cOur AI enabled technology can look at a very specific address and take all those property features into account and generate essentially the algorithmic underwriting, an instantly bindable quote that is particular for that property,\u201d Valderrama said.<\/p>\n

The goal is to reward resilient construction and mitigation measures with lower premiums<\/a>.<\/p>\n

\u201cFor the properties that are more resilient, or for property owners that have made investments to make their properties more resilient, they should be able to benefit from lower cost property insurance,\u201d Valderrama said. \u201cThat\u2019s something that the industry has not really been able to produce at this point.\u201d<\/p>\n

FutureProof was recently recognized as a finalist for the 2025 Ivory Prize<\/a> for Housing Affordability \u2014 an award sponsored by Ivory Innovations<\/strong>, a nonprofit academic research center based at the University of Utah David Eccles School of Business<\/strong>. \u00a0<\/p>\n

Expanding coverage in abandoned markets<\/h2>\n

FutureProof launched in August 2024, beginning in Florida and Mississippi with a focus on catastrophe-exposed<\/a> commercial properties. <\/p>\n

The company says its models helped it weather hurricanes Helene and Milton without losses, validating the approach.<\/p>\n

FutureProof has also started writing a small number of residential properties and plans to expand into California, Texas and Alabama. Its technology is supported by multiple models, including hurricane, flood, wildfire and severe storm risk.<\/p>\n

\u201cWhat we\u2019re hoping is to help offer coverage in places where insurance is either really hard to get or very expensive,\u201d Valderrama said. \u201cIt\u2019s not that we can go and offer low-cost insurance to every single property owner, but if there\u2019s a property that, in fact, lowers its risk, our technology is designed to price particularly to that risk.\u201d<\/p>\n

Building an in-house insurer<\/h2>\n

For now, FutureProof operates as a managing general agent (MGA), essentially an outsourced underwriting partner for carriers. <\/p>\n

The company also runs an insurance agency appointed by more than 27 major carriers, including Chubb<\/strong>, Liberty Mutual<\/strong> and Progressive<\/strong>, Valderrama said. <\/p>\n

\u201cIn that case, we are not repricing the insurance policies sold by other carriers, but instead, what we\u2019re doing is running those policies through our system and saying, \u2018Hey, do we think this policy is going to be profitable?’\u201d she said.<\/p>\n

But the company\u2019s long-term vision is to stand up its own carrier. <\/p>\n

Valderrama says being a carrier would allow FutureProof to guarantee savings tied directly to resilience upgrades.<\/p>\n

\u201cIf you can make these changes to make your property more resilient, if you\u2019re resilient today, great \u2014 FutureProof can probably offer you a lower cost quote,\u201d she said. \u201cThat\u2019s the loop that we want to close.\u201d<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

San Diego-based startup FutureProof is using artificial intelligence (AI) to change the way insurers assess catastrophe risk and set premiums, a shift that could make insurance both more affordable and easier to come by in disaster-prone regions. \u201cFutureProof started with thinking about the build environment and everyone\u2019s homes and businesses,\u201d FutureProof co-founder and co-CEO Alisa […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-60807","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nTech startup offering AI-driven property level risk modeling - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.trio-tv.com\/ru\/tech-startup-offering-ai-driven-property-level-risk-modeling\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tech startup offering AI-driven property level risk modeling - Houses Marketplace\" \/>\n<meta property=\"og:description\" content=\"San Diego-based startup FutureProof is using artificial intelligence (AI) to change the way insurers assess catastrophe risk and set premiums, a shift that could make insurance both more affordable and easier to come by in disaster-prone regions. \u201cFutureProof started with thinking about the build environment and everyone\u2019s homes and businesses,\u201d FutureProof co-founder and co-CEO Alisa […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/housesmarketplace.trio-tv.com\/ru\/tech-startup-offering-ai-driven-property-level-risk-modeling\/\" \/>\n<meta property=\"og:site_name\" content=\"Houses Marketplace\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-21T01:00:16+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u041d\u0430\u043f\u0438\u0441\u0430\u043d\u043e \u0430\u0432\u0442\u043e\u0440\u043e\u043c\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 \u043c\u0438\u043d\u0443\u0442\u044b\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/housesmarketplace.trio-tv.com\\\/tech-startup-offering-ai-driven-property-level-risk-modeling\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/housesmarketplace.trio-tv.com\\\/tech-startup-offering-ai-driven-property-level-risk-modeling\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/housesmarketplace.trio-tv.com\\\/#\\\/schema\\\/person\\\/1276f6cf52b5de6bd341c72ea8c75b0b\"},\"headline\":\"Tech startup offering AI-driven property level risk modeling\",\"datePublished\":\"2025-08-21T01:00:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/housesmarketplace.trio-tv.com\\\/tech-startup-offering-ai-driven-property-level-risk-modeling\\\/\"},\"wordCount\":711,\"articleSection\":[\"Uncategorized\"],\"inLanguage\":\"ru-RU\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/housesmarketplace.trio-tv.com\\\/tech-startup-offering-ai-driven-property-level-risk-modeling\\\/\",\"url\":\"https:\\\/\\\/housesmarketplace.trio-tv.com\\\/tech-startup-offering-ai-driven-property-level-risk-modeling\\\/\",\"name\":\"Tech startup offering AI-driven property level risk modeling - 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