Price, select, and respond to risk at the resolution of a single property
For insurers, reinsurers, and risk teams, Airfree turns hazard, climate, and earth- observation data into property-level risk scores and portfolio exposure views — so you underwrite with precision and respond to events in hours, not weeks.
From the single risk to the whole portfolio
Every capability is built on enterprise-grade spatial infrastructure — engineered for the accuracy underwriting demands and the speed catastrophe response requires.
Flood Risk Modelling
Combine terrain, hydrology, and historical event data to estimate flood depth and frequency at the individual address — the resolution underwriting actually needs.
Bushfire Exposure
Model fuel load, slope, aspect, and proximity to vegetation to score bushfire exposure per property and across whole books of business.
Storm & Climate Hazard
Quantify wind, hail, and severe-weather exposure using climate and event archives, with forward-looking layers for emerging climate-risk disclosure.
Accumulation Mapping
Visualise and measure concentration of insured value across a portfolio to manage aggregation, PML, and catastrophe exposure before an event, not after.
Property-Level Risk Scoring
Derive per-property risk features from earth observation — roof condition, defensible space, surrounds — to price and select risk with spatial precision.
Post-Event Damage Assessment
Rapid pre- and post-event imagery comparison pinpoints affected properties and damage extent, accelerating triage, reserving, and claims response.
Portfolio Geocoding
Resolve policy addresses to precise coordinates and parcels at scale — the clean spatial foundation every hazard and accumulation analysis depends on.
Exposure Analytics
Aggregate hazard and value across regions, perils, and lines of business to inform reinsurance, appetite, and capital decisions with spatial evidence.
Earth observation as a risk sensor
Airfree operates a full pipeline from raw satellite and airborne archives to analysis-ready risk layers — so hazard is measured from current ground truth, and a major event is assessed from imagery rather than guesswork.
Earth observation platformPre- & Post-Event Imagery
A full pipeline from raw satellite and airborne archives to analysis-ready imagery, so change before and after an event is measurable, not anecdotal.
Hazard Change Detection
Multi-temporal analysis tracks vegetation, land cover, and development that shift exposure between policy periods across an entire book.
Fused Hazard Layers
Terrain, hydrology, climate, and land-cover layers fused into consistent, auditable risk surfaces for every peril you underwrite.
Property-Scale Features
Object-level signals — building footprint, roof condition, and surrounds — extracted from imagery to sharpen per-risk pricing and selection.
Built for underwriting and claims
Designed for pricing, exposure, and catastrophe teams who carry real capital at risk — timely intelligence that drives decisions, not another model to reconcile.
Event Response Alerts
When a hazard event is detected in a region, Airfree can flag affected policies and trigger damage-assessment workflows — via API, webhook, or dashboard — within hours.
Accumulation & Appetite Analytics
Monitor concentration and emerging exposure across the portfolio continuously, so growth stays inside appetite and reinsurance is informed by current reality.
Audit-Ready Reporting
Automated spatial reports on hazard, exposure, and event impact, formatted for actuarial review, regulators, reinsurers, and climate-risk disclosure.
Interoperable with your underwriting and claims stack
Airfree is designed as an open spatial layer. Its REST and OGC-compliant APIs are built to feed the policy, claims, and catastrophe-modelling systems insurers already run — hazard and exposure scores arrive where decisions are made.
All capabilities are available via REST and OGC-compliant APIs, so geocoding, hazard scores, and exposure surfaces flow into pricing and claims systems in real time.
- — Batch and real-time geocoding REST APIs
- — Per-address hazard and risk-score endpoints
- — OGC WMS / WFS / WMTS / API-Features endpoints
- — Webhook delivery for event and exposure alerts
- — REST API with OpenAPI 3.1 specification
One connected platform, four product lines
Risk pricing and response draw on hazard models, mapping, and heavy compute at once — Airfree delivers them as one platform sharing a single origin and source of truth.
Airfree Geospatial
Hazard modelling, terrain and hydrology layers, parcel geocoding, and the risk surfaces behind every exposure assessment.
Learn moreAirfree Maps
Base mapping and the same-origin map surface for accumulation views, event response, and portfolio visualisation.
Learn moreAirfree Cloud
The compute backbone that processes earth-observation archives and scores entire books of business at speed.
Learn moreUnderwrite the world as it really is
Whether you price personal lines, manage catastrophe exposure, or run a reinsurance book, our team will scope a hazard and exposure solution matched to your perils, your portfolio, and your capital.
Talk to our insurance team