FortressFire

What FortressFire does

FortressFire is a wildfire risk management company that delivers property-level ignition probability assessments, mitigation planning, and managed protection services for residential and small commercial properties in wildfire-prone regions. Operating as a division of Fortress Wildfire Insurance Group (FWIG), the company was founded in 2020 and is headquartered in San Mateo, California, with service coverage spanning 12 Western U.S. states. Its primary customer bases are insurance carriers and reinsurers seeking underwriting-grade wildfire data, real estate transaction participants needing disclosure compliance, and individual property owners in high-risk zones.

The company's core technology is the AMP (Assess, Monitor, Protect) Platform, anchored by the Property Ignition Model (PIM). PIM is a physics-based scoring engine that uses thermodynamic analysis, ember transport modeling, and radiant heat flux calculations to predict ignition probability at the individual structure level across five threat vectors (convective heat, radiant heat, ember entry, ember accumulation, and structure-to-structure ignition). The model has been validated against 15+ historical wildfire events with structure-level outcome data and is protected by 2 granted patents and 19 provisional patents. FortressFire also markets a USFS-qualified proprietary fire retardant—the first new entry into that approved product category in over 20 years—and supports a field-data capture loop in which ground inspections feed back into PIM, creating a closed-loop improvement cycle.

FortressFire's revenue model spans five streams: Aerial Risk Reports priced at $140 per property (one-time license); Wildfire Disclosure Reports at $140 per real estate transaction; Ground Inspections as professional services; enterprise data licensing and underwriting integration subscriptions for insurance carriers, reinsurers, MGAs, and MGUs; and recurring Managed Protection subscriptions (Level 1 alerts and verification, Level 2 active remediation including retardant application). Distribution combines direct enterprise sales to carriers, a self-serve online portal for property owners, and channel partnerships through the California Association of REALTORS (C.A.R.) Wildfire Disclosure Program and authorized Natural Hazard Disclosure providers. The platform has assessed tens of thousands of properties to date.

Name

FortressFire

Legal name

FortressFire — A division of Fortress Wildfire Insurance Group (FWIG)

Website

https://fortressfire.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

FortressFire is a wildfire risk management company providing physics-based property ignition modeling, mitigation planning, and managed protection services for insurance carriers, real estate professionals, and property owners across 12 Western U.S. states.

Ownership category

akta.pro rank

Product category

Wildfire Risk Management Software

SIC

Measuring & Controlling Devices, Nec (3829)

akta.pro primary industry

Climate Hazard & Catastrophe Modeling (Flood, Wind, Wildfire, Heat, Sea-Level Rise) (EUABALAA)

akta.pro secondary industry

Catastrophe Risk Modeling & Analytics Services (FSAOACAL)

Keywords

• Wildfire risk assessment
• Property ignition modeling
• Insurance underwriting data
• Wildfire mitigation services
• Asset protection monitoring

Headquarters

HQ city

San Mateo

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Aerial Risk Reports: Property-specific wildfire vulnerability assessments using satellite imagery, machine learning, and physics models. Sold directly to property owners ($140 for standard residential) and through real estate partners via escrow.
2. Ground Inspection Services: Onsite wildfire vulnerability inspections evaluating property characteristics against IBHS standards, with detailed risk reports and mitigation recommendations.
3. Insurance Carrier Solutions: Property-specific ignition probability data and risk assessments sold to commercial insurers, reinsurers, MGAs, and MGUs for underwriting and portfolio management. Revenue from data licensing and integration services.
4. Managed Protection Services: Subscription-based asset protection plans (Level 1: Alerts & Updates, Level 2: Swift Remediation) including ongoing monitoring, maintenance services, and fire retardant application to maintain properties in insured state.
5. Wildfire Disclosure Reports: Reports for real estate transactions, available through C.A.R. authorized partners and billed into escrow for properties in active transaction status.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

FortressFire operates the AMP Platform (Assess, Monitor, Protect), which uses satellite imagery, machine learning, thermodynamic models, and predictive analytics to deliver property-level wildfire ignition risk assessments, continuous monitoring, and coordinated mitigation and protection services. Its core technology, the Property Ignition Model (PIM), generates structure-specific ignition probability scores across five threat vectors and supports insurance underwriting, regulatory compliance, real estate disclosures, and managed asset protection.

Product overview

FortressFire offers the AMP Platform, a comprehensive wildfire risk management solution consisting of three integrated components: Assess (property-level vulnerability analysis), Monitor (continuous oversight), and Protect (managed services and asset protection). The core technology is the Property Ignition Model (PIM), a physics-based model that predicts structure ignition probability using thermodynamic analysis, ember transport modeling, and radiant heat flux calculations. Primary customer-facing products include Aerial Risk Reports (ARR) for standalone property assessments, Wildfire Disclosure Reports (WFDR) for real estate transactions, and Onsite Wildfire Vulnerability Inspections for ground-level verification. The Protect tier includes Level 1 (alerts and verification) and Level 2 (active remediation with proprietary fire retardant). The company also offers mobile applications (Inspect App, Protect App, Mitigate App, MyFortress) for different user personas including inspectors, customers, and service providers. Mitigation Intelligence generates structure-specific recommendations with before/after score tracking.

Differentiator

Problem solved

Functional benefit

Brands

• AMP Platform: Comprehensive wildfire risk management platform combining Assess, Monitor, and Protect services for property-level wildfire protection.
• Property Ignition Model (PIM)
• Wildfire Disclosure Report (WFDR)
• Aerial Risk Reports (ARR)
• FortressFire Inspect App
• FortressFire Protect App
• FortressFire Mitigate App
• MyFortress

Products and services

• AMP Platform Comprehensive wildfire risk management platform integrating Assess (property-level vulnerability analysis), Monitor (continuous oversight), and Protect (managed services and asset protection) components, combining satellite imagery, machine learning, and physics-based Property Ignition Model for insurance carriers, real estate professionals, HOAs, and property owners.
• Aerial Risk Report (ARR) Property-level wildfire vulnerability assessment utilizing AI-powered aerial assessment and physics-based ignition modeling. Provides structure-level risk analysis including defensible space analysis, vulnerability scores, and mitigation recommendations, available direct-to-consumer and through insurance and real estate partners.
• Wildfire Disclosure Report (WFDR) Property-specific wildfire risk assessment for real estate transactions combining satellite imagery, machine learning, and advanced physics models, including fuel load analysis, topographical insights, AB 38 compliance documentation, and mitigation recommendations. Available through C.A.R. authorized Natural Hazard Disclosure partners and escrow billing.
• Onsite Wildfire Vulnerability Inspection Ground inspection report evaluating property characteristics against IBHS Wildfire Prepared Home standards. Includes Ground Risk Report, Ground Inspection Report, and Service Orders with mitigation action pricing for property owners and real estate transactions.
• Insurance Carrier Enterprise Solutions Enterprise solution providing property-specific ignition probability data, underwriting integration, and portfolio management tools for commercial insurers, reinsurers, MGAs, and MGUs to replace or supplement hazard-based wildfire scoring with structure-level ignition probability.
• Level 1 Asset Protection Subscription-based managed wildfire asset protection service providing ongoing monitoring of atmospheric conditions, weather data, government announcements, and active fire perimeter data, with on-site verification of property readiness.
• Level 2 Asset Protection Subscription-based swift remediation service triggered during specific wildfire threats, including dispatch of vetted professionals to remediate ignition threats, application of proprietary fire retardant, and property-specific action plans.
• USFS-Qualified Fire Retardant Proprietary, environmentally-friendly fire retardant approved by the US Forest Service, the first new entry to the qualified market in over 20 years. Provides long-lasting fire suppression capabilities for property protection during wildfires, available as part of Level 2 Asset Protection.
• FortressFire Inspect App Mobile application for inspectors to capture and report accurate, on-the-ground property data that feeds the Property Ignition Model, improving risk score accuracy and refining mitigation recommendations.
• MyFortress App Customer-facing mobile application providing property owners with wildfire alerts, mitigation tracking, payment facilitation, underwriting status monitoring, and coordination of additional protection services.

Quantifiable outcome

• Structure ignition prediction accuracy validated against 15+ historical wildfire events with structure-level outcome verification
• +1 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability8 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core.

• California Association of REALTORS (C.A.R.)coreStrategic or Co-development PartnerExclusive partnership with C.A.R. to develop and sponsor the Wildfire Disclosure Report (WFDR). Report incorporated into C.A.R. Residential Purchase Agreement and available through authorized Natural Hazard Disclosure partners. FortressFire worked closely with C.A.R. throughout California since 1905 to develop WFDR with significant input from real estate professionals.
• CalFire (California Department of Forestry and Fire Protection)coreStrategic or Co-development PartnerCollaboration with CalFire for wildfire risk assessment standards and regulatory compliance. CalFire conducts inspections and sets Fire Hazard Severity Zone classifications. FortressFire reports align with CalFire FHSZ ratings and AB 38 compliance requirements.
• Insurance Institute for Business and Home Safety (IBHS)coreStrategic or Co-development PartnerCollaboration with IBHS for wildfire Prepared Home standards. FortressFire inspections evaluate properties against IBHS standards for wildfire resilience. IBHS sets national standards for resilient construction used by insurance companies.
• California Department of Insurance (DOI)coreStrategic or Co-development PartnerPartnership with California DOI for insurance regulatory alignment. FortressFire data and reports support insurance underwriting standards and help expand coverage options for property owners in wildfire-prone areas.
• Stripe, Inc.coreTechnology or IntegrationThird-party payment processor for handling credit card and payment transactions through the FortressFire platform. Stripe collects payment information, processes transactions, and shares payment status with FortressFire. Stripe's privacy policies govern their data handling practices.
• Authorized Natural Hazard Disclosure PartnerscoreChannel Partner/ Reseller/ DistributorNetwork of authorized partners distributing Wildfire Disclosure Reports through the C.A.R. Wildfire Disclosure Program. Partners enable ordering through the Residential Purchase Agreement for real estate transactions.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Hippo Insurance: Insurtech homeowners carrier using data-driven underwriting and risk intelligence for wildfire-prone regions. Comparable as a buyer-side user of property-level wildfire data and as a potential customer or competitor for risk differentiation.
• Betterview: Property intelligence platform using aerial imagery and AI for insurance underwriting and rooftop risk assessment. Comparable in applying computer vision and machine learning to property-level insurance risk data, with overlapping carrier customers.

Direct peers

• Jupiter Intelligence: Climate risk analytics platform providing property-level physical and transition risk scores for insurers, reinsurers, and asset owners. Directly comparable as climate hazard analytics for insurance underwriting and portfolio management.
• Cape Analytics: Property intelligence derived from aerial and satellite imagery with attribute extraction for insurance underwriting. Comparable in using geospatial imagery and machine learning to generate structure-level property risk data for carriers.
• Zesty.ai: AI-powered property-level wildfire and climate risk analytics for insurance carriers. Directly comparable as a technology-driven alternative for structure-level risk scoring that competes for the same insurance carrier underwriting budgets.
• Archipelago: Commercial property wildfire risk data platform co-founded by Hemant Shah, FortressFire's Board Vice Chairman. Competes for the same broker and carrier customers with data-driven property risk insights.

Broad incumbents

• Verisk: Property analytics and risk assessment provider serving the insurance industry with claims, underwriting, and property data. Comparable as an established incumbent providing structure-level property risk data across multiple perils.
• CoreLogic: Property data and analytics provider for insurance, real estate, and mortgage industries. Comparable for property-level risk data, natural hazard disclosure, and insurance underwriting integration at scale.
• Risk Management Solutions (RMS): Global catastrophe risk modeling leader acquired by Moody's in 2021. Provides wildfire and multi-peril catastrophe models to most major insurers and reinsurers, with broader portfolio focus but overlapping carrier customer base.
• First American Natural Hazard Disclosure: National Natural Hazard Disclosure report provider for California real estate transactions. Comparable channel competitor in the real estate disclosure workflow where FortressFire's WFDR is also embedded.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fortressfire

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FortressFire