Top 100 Global Fintech Companies (2025)
CB Insights
Home Insurance powered by Science
Our fire scientists are the leaders in their field. Unparalleled expertise in wildfire behavior and climate risk enables us to confidently offer policies where others fear to tread.
Our Partners
The best wildfire risk model in the industry
Artificial Intelligence
Our technology uses superior input data and science-based artificial intelligence.
Accurate Models
Other risk models failed to predict fire risk, but our models correctly predicted fire risk in locations that burned.
Prevention
Our dynamic data enables us to proactively send homeowners personalized advice for home hardening as their risk changes.
Awards & recognition
Celent Model Insurer Award (2025)
Celent
Top 100 Most Innovative Insurtech Companies (2025)
FinTech Global
Insurtech 50: The Most Promising Insurtech Startups (2025)
CB Insights
Technology Innovation Insurance Award (2025)
PropertyCasualty360 Insurance Luminary
Product That Counts (2025)
Product That Counts
MGA/MGU of the Year (2024)
Inside P&C
Rising Star of the Year (2022)
Insurance Business Magazine
Insurance CEO of the Year (2019)
CEO Monthly California
"[Delos'] custom wildfire modeling program uses 'hundreds of parameters' including NASA Earth-observation imagery, datasets like NASA's LANDFIRE, and the most current climate science to calculate risks before pricing insurance policies."
NASA
Earth Observatory
"As the threat of wildfires has increased, Delos recognized the need to break the traditional mold of risk analysis. Their expertise and deep understanding of this threat has placed them at the pinnacle of insurance companies who can provide the highest level of service to California residents."
David Shew
Former CAL FIRE Staff Chief
The problem we solve
After unexpectedly losing $25B, the insurance industry learned that the wildfire models they had been using to assess risk weren't accurate enough to prevent unexpected losses. Most insurance companies continue to be exposed to high risk because of these risk models.
When insurers don't understand risk, they either increase premiums, or they run away. This is why rates have skyrocketed, and also why 350,000 homeowners policies in CA were nonrenewed, leaving homeowners desperate to find coverage. We're here to help those people.
Homeowner
"Like many people in our area, I found that my insurance was going to be cancelled. My previous insurance company waited until the last minute and then found a policy that was going to be a $700 increase. I called Tom Pratt with Delos. Although Tom was at a soccer game with his children, he and his associates were able to get a quote to me and arranged for me to sign the papers within two hours. I saved the $700 plus a little more. I found the team at Delos to be easy to work with, honest, and concerned about their clients. I would definitely recommend them."