How it works

From an address to a
complete risk report

A plain-English walkthrough of how every Satelife wildfire risk report comes together — what we look at, how we analyse it, and what you receive.

A California hillside property at golden hour, marked by a single location pin
You give us

A property address

A street address is all we need to begin. We resolve it to the precise parcel and confirm that we have full data coverage for that location before any analysis runs.

  • Single-property requests for homeowners, buyers, and agents.
  • Portfolio-scale requests for insurers and lenders covering hundreds of parcels at a time.
  • No paperwork, no on-site visit, no document uploads required.
Aerial view of a California parcel with translucent data layers — vegetation, fire history, wind — overlaid on the real landscape
We gather

Everything that shapes risk at that parcel

Independent streams of public data and current imagery are pulled in parallel and pinned to the exact parcel boundary. Each one captures a different piece of the wildfire-risk picture.

  • Recent satellite and street-level imagery of the property and the land around it.
  • Official hazard classifications already published for the parcel's jurisdiction.
  • Historical fire perimeters near the property, scored by recency and proximity.
  • Vegetation, fuel load, and terrain in a tight ring around the parcel.
  • Long-run climate patterns — wind, fire-weather indices, and drought tendencies for the region.
  • Brigade response and access — realistic drive time from the nearest fire stations.
Ground-level photograph of a California hillside home with subtle AI-style annotation overlays around roof, eaves, and vegetation
We analyse

AI reads the property like a fire inspector

A computer-vision model assesses the property from the imagery the way a trained inspector would — defensible space, structural hardening, and ember-trap features — and the results are combined with everything else we know about the parcel.

  • Defensible space — vegetation clearance close to the structure and out to the property line.
  • Home hardening — roof material, vents, eaves, deck construction, and window type.
  • Human review fallback — low-confidence visual judgements are flagged for a person to verify before the report is finalised.
  • Final scoring — every input is combined into a single risk score and one of four action tiers.
You receive

A report you can act on

Every report bundles the same three things: a clear top-line score, the reasoning behind it, and a prioritised plan for what to do next.

A clear risk score and tier

One headline number, one tier, and the reasoning behind both — so you can compare two properties side by side or hand a single page to your insurer.

A full PDF report

A clean, shareable PDF with the score, the inputs, satellite imagery of the property, and the full breakdown — designed to read well on paper and email well to anyone.

A prioritised mitigation plan

Specific things you can do to lower risk, ordered by the impact each one will have. Built around what is realistic for the actual property, not a generic checklist.

Ready to see your
risk score?

Enter your property address and request your Satelife wildfire risk report — no commitment.

Request your report →
Or read about the methodology →

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Satelife reports are for informational purposes only and do not constitute insurance, financial, or legal advice.