Objectives of the service
Wildfire risk is increasing rapidly, creating major challenges for insurers, reinsurers, and brokers. Current approaches rely on fragmented data and limited tools, making it difficult to assess risk accurately, respond to events in real time, and manage claims efficiently.
FUSE addresses these challenges by providing consistent and scalable wildfire intelligence based on Earth Observation data and geospatial analytics. The service delivers actionable insights that support key insurance processes, including risk assessment, portfolio management, and event response.
By transforming complex environmental data into clear and usable information, FUSE enables users to better understand wildfire exposure, improve operational decision-making, and strengthen resilience against climate-related risks.
Users and their needs
The service targets organisations involved in managing wildfire risk, including: ·
- Insurers and reinsurers
- Insurance and reinsurance brokers
- Risk modelling firms and consultants
- Claims and operational teams
These users operate in countries with significant or increasing wildfire risk, including the United States, Canada, Australia, and Europe. Key user needs include: ·
- Reliable and consistent information on wildfire risk
- Improved understanding of changing risk conditions
- Timely insights during active wildfire events
- Faster and more efficient claims assessment
- Clear and comparable risk information for decision-making
The main challenge is integrating complex and heterogeneous data into workflows in a way that is easy to use, scalable, and directly supports operational decisions.
Service/ system concept
FUSE provides wildfire intelligence by combining satellite data, environmental information, and geospatial analytics into a unified service.
The service delivers:
- Risk insights for underwriting and portfolio management
- Near-real-time information on active wildfire events
- Post-event analysis to support claims and impact assessment
Users access the service through data interfaces or dashboards that integrate into existing systems and workflows.
At a high level, the system collects and harmonises data from multiple sources, processes it into structured information, and generates insights that can be directly used by insurance professionals. The service is designed to be modular and scalable, allowing users to adopt specific functionalities depending on their needs.
Space Added Value
FUSE relies on Earth Observation data from satellites to provide consistent and large-scale wildfire information.
Satellite data enables: ·
- Continuous monitoring of wildfire activity across large geographic areas
- Objective and comparable information independent of local reporting
- Frequent updates to capture rapidly evolving events
- Detailed insights into environmental conditions influencing wildfire risk
Compared to traditional approaches, which often depend on fragmented or delayed data sources, the use of space assets ensures higher consistency, coverage, and timeliness. This allows users to better assess risk, respond faster to events, and make more informed decisions.
The integration of space-based data with advanced analytics significantly enhances the ability to manage wildfire risk in a changing climate.
Current Status
The project has successfully assessed the feasibility and commercial potential of the FUSE service.
Key achievements include:
- Engagement with multiple stakeholders across the insurance ecosystem
- Identification of user needs and key service requirements
- Development of initial service concepts and use cases
- Implementation of prototype capabilities for wildfire monitoring and analysis
Initial demonstrations confirmed the relevance of the service for applications such as event monitoring and early loss estimation. The project has reached a stage where further development and validation with pilot users can be initiated.
The next steps focus on refining service functionalities, strengthening user engagement, and preparing for early commercial deployment.
Prime Contractor(s)
Subcontractor(s)
