Environmental Risk Intelligence for Insurance
Environmental risks are intensifying, and the insurance industry is feeling it first. Carriers are exiting fire-prone markets. Flood losses are hitting outside traditional risk zones. Reinsurers are tightening capacity. The underwriting teams navigating all of this are stretched across fragmented data stacks that were never designed to work together.
Smarter Underwriting in a Climate-Exposed Market
EarthDaily's Ascend brings together proprietary earth observation data and 61+ curated partner sources into a single environment built for insurance workflows. Property-level wildfire exposure scoring. Near real-time flood extent mapping. Multi-peril portfolio analytics. One geocoding baseline.
Problems Solved:
The Data Challenges Holding Insurers Back
Coarse wildfire scoring misses insurable risk.
IP-code and county-level wildfire models paint entire geographies as uninsurable. Carriers with property-level, fuels-based intelligence find profitable risks within high-risk zones that competitors decline broadly.
Flood assessment arrives too late.
Post-event field inspections take days or weeks. Satellite-driven flood extent mapping provides objective evidence of inundation while events are still unfolding, enabling faster claims triage and more accurate exposure estimates.
Fragmented vendor stacks introduce errors.
Managing separate data pipelines for wildfire, flood, and wind with inconsistent geocoding across sources compounds errors downstream. Every mismatched property location degrades the quality of every risk decision built on top of it.
Backward-looking models cannot keep pace.
Traditional CAT models built on historical loss patterns assume the future will look like the past. In regions where fuel loads, flood patterns, and climate conditions are shifting, underwriters need forward-looking intelligence updated monthly, not annually.
Reinsurance negotiations demand proof.
Reinsurers are asking harder questions about wildfire risk selection and multi-peril correlation. Carriers that demonstrate property-level, cross-peril underwriting data negotiate from a stronger position at renewal.
See how Ascend consolidates multi-peril data
Why EarthDaily
Proprietary data where it matters most.
EarthDaily's Insurance intelligence is built on our own satellite constellation and science, not repackaged third-party scores. This is the same data trusted for high-stakes operational decisions in forestry and utilities.
Every peril, one platform.
Wildfire, flood, wind, hail, and property data from 61+ curated partners, unified under a single geocoding baseline. No more reconciling conflicting data across vendor stacks.
Built for underwriters, not analysts.
Ascend's LLM-powered interface lets non-technical users query complex multi-peril data in plain language. Your team makes risk decisions, not data requests.
Forward-looking, continuously updated.
Monthly wildfire risk refreshes from daily satellite capture. See conditions as they are, not as they were when last year's model was calibrated.
We combine proprietary earth observation data with AI-powered analytics and 61+ curated partner sources, providing property-level visibility into wildfire, flood, and environmental risk. Continuous daily satellite monitoring, forward-looking risk scoring, and multi-peril portfolio intelligence help you underwrite with precision, accelerate claims, and strengthen reinsurance positioning.
The Ascend Platform
Property-Level Wildfire Risk Scoring
Near Real-Time Flood Extent Mapping
61+ Curated Data Partners
Geocoding Consensus Algorithm
LLM-Powered Natural Language Queries
Monthly Wildfire Risk Updates
Burn Perimeter and Severity Mapping
Featured Case Study:
Reducing Insurance Risk With Proactive Action Powered by Earth Observation
Leading French agricultural insurer Groupama harnesses powerful weather and climate data from EarthDaily to better predict risk and establish policy, enabling the company to respond proactively and ultimately support its bottom line.
Next Steps - Take Control of Environmental risk
Whether you are an E&S carrier capturing retreating market share, an MGA building credibility with capacity providers, or a regional carrier modernizing your data stack, start here:
Explore the Ascend platform
Wildfire risk intelligence
Flood risk intelligence
Ready to benchmark your current workflow?
EarthDaily offers a 3-month proof-of-value on a subset of your portfolio. If we can't demonstrate measurable improvement in speed, accuracy, and risk selection, we don't ask you to sign a production contract.