The escalation of wildfire incidents worldwide, driven by climate change and human expansion into the wildland-urban interface, necessitates advanced methods for wildfire risk assessments on a parcel level. While valuable, traditional approaches need more precision and dynamism to effectively predict and manage modern wildfires. This paper introduces an innovative method called Fuel Load Analysis and Risk Estimation (FLARE), which leverages Terrestrial Laser Scanning (TLS) methods and conventional Earth observation (EO) technologies to revolutionize wildfire risk assessments on sub-meter resolution. California Code of Regulations section 2644.9 mandates that mitigation measures taken to prevent wildfires must be reflected in insurance policies. FLARE is the only solution designed to identify potential mitigation measures and encourage the implementation of these measures. We actively work to remove barriers that may prevent homeowners from completing the work necessary to mitigate risk to their property, their community, and lower premiums. Unlike broader geographic assessments, our technology focuses on the detailed analysis of individual properties. This is achieved through TLS technologies, which generate detailed point cloud data. This data is crucial in understanding fuel load characteristics at a sub-meter level, allowing for tailored risk assessments.

FLARE is designed to be integrated into insurance companies' operations, replacing current wildfire risk reports, which lack precision in design and implementation. FLARE has a low barrier to entry for potential customers; simply request an estimate, and one of our licensed assessors will come out. Our machine-learning algorithms will render and analyze TLS data in real time and provide the property owner with the best preparation for what may come. Once the process has been completed, the parties of interest will be supplied with a risk estimation report, including plans to mitigate risks best. The risk assessment will then be sent to the respective insurers or upgraded to a community level if other homeowners need an evaluation. The parcel level scans will then be upscaled with NASA Earth Observation data and other biophysical inputs to create community wide sub meter risk assessments.