Kettle

Traditional risk models are failing, leaving communities in high-risk climate zones uninsurable and economically vulnerable. Kettle directly addresses this by using AI to build smarter insurance products that protect property owners from catastrophic events like wildfires. Its proprietary technology is built on three distinct AI models—ignition, spread, and building vulnerability. Together, these models process over 130 terabytes of satellite, weather, real estate, and utility data, analyzing 70 risk indicators to simulate millions of potential wildfire scenarios. This provides a granular, property-specific view of risk that legacy systems cannot match. The proof is in the performance: Kettle successfully predicted 97.23% of California's burned properties over a four-year period. For government and smart city leaders, this isn't just an insurance tool; it's a strategic asset. The data can validate zoning decisions, guide emergency response planning, and demonstrate how mitigation efforts can directly lower premiums, incentivizing safer, more resilient communities.