A Brawl & Property Insurers

Athena Intelligence
3 min readJul 17, 2023

Athena, Goddess of Warfare and Military Strategy, is feeling pugnacious.

If you are a property insurer, mortgage underwriter or a large property manager in the Western United States, Athena wants to go head-to-head with your current wildfire risk tool.

We are midway through the year and wildfire season is starting.

We want to run a real time trial with your portfolio, or your recent declines.

Athena will take a list of properties that you have evaluated within the last 6 months for wildfire risk in California, Colorado, Washington, Arizona, Montana or Utah. We will provide a risk assessment for the next 6 months.

Photo Credit Mike Newbry on Unsplash

By the end of this wildfire season, it will be clear which tool will improve your bottom line.

We have shown other insurers that they have left more than $10M in low-risk premium on the table, through their “Brush Score Declines.”

In these demonstrations, we evaluated their declined properties. Between 30% and 50% of these properties were scored Green by Athena, had a combined conditional and probability risk of less than 2% of being involved in a wildfire. (See our articles: Profitably Underwriting Properties with Wildfire Exposure and Overview of Athena’s Wildfire Model.)

To illustrate the effectiveness of Athena’s risk assessment, we invite you to explore our demonstration dashboard on Tableau. The dashboard also provides detailed insights into the specific combinations of Green profiles and their occurrence within and around wildfire perimeters across California from 2018 to 2022.

Risk Score vs Voice of the Acre Comparison | Tableau

The Tableau Dashboard has 4 sheets. The first shows a comparison (shown above) of properties denied by the use of another risk score vs. the same properties using Athena’s Voice of the Acre®. The second sheet gives you an opportunity to look at any of these properties and see Athena’s scoring vs the alternative risk score. The third sheet allows you to surf around and look at these properties by county and year. Our goal is for you to see, for yourself, if Athena’s risk score makes sense given the history of properties with this digital signature.

The final sheet shows the $16 million lost premium from declining those low-risk properties.

Our findings reveal significant potential for carriers to provide insurance coverage in a reasonable and profitable manner, catering to both residential and commercial property markets in California.

In July, Athena has fully profiled 6 states: CA, AZ, CO, UT, MT and WA. Each new state takes about a day, so customers can request any state in the country. This presents a prime opportunity for carriers to gain a competitive advantage and meet the evolving needs of the market.

Care to learn more? Set up a demonstration here: Select a Date & Time — Calendly

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Athena Intelligence

Athena Intelligence weaves vast amounts of disaggregated environmental data. Drop us a line (Info@Project-Athena.com), or visit www.athenaintel.io