Delos Insurance Expands Wildfire Coverage in Southern California

Southern California, October 27, 2025

News Summary

Delos Insurance Solutions is significantly expanding its wildfire coverage across five counties in Southern California, adding 265,000 homes to its portfolio. The move is driven by advancements in proprietary risk modeling technology, utilizing satellite imagery to assess wildfire risks accurately. With a focus on high-risk areas, Delos aims to provide affordable insurance options where traditional insurers have pulled back. The company plans to enhance its coverage further and expand its offerings beyond California.

California – Delos Insurance Solutions is expanding its wildfire coverage across five Southern California counties, which includes adding 265,000 homes to its portfolio. This significant expansion increases Delos’s total coverage footprint to approximately 2.5 million homes across Los Angeles, Orange, Riverside, San Bernardino, and San Diego counties.

The move is driven by improvements in Delos’s proprietary risk modeling technology that utilizes satellite imagery and wildfire science to assess risks more accurately. Founded in 2017 by aerospace engineers, Delos aims to provide insurance in high wildfire exposure areas where traditional insurers have scaled back their operations.

Delos offers technology-driven underwriting that not only evaluates property-level risks but also provides primary, secondary, and seasonal home policies, incorporating various mitigation strategies. The company’s wildfire risk model has shown remarkable accuracy, having predicted the extent of all major California fires over the past seven years.

Delos is continually enhancing its data analysis capabilities. The integration of detailed wind data and information on suppression efficacy contributes to the company’s ability to expand its insurable footprint. Notably, approximately 65% of homes classified as “high risk” by conventional models could potentially be reclassified as medium or low risk under Delos’s system, offering potential price relief for homeowners facing rising premiums.

The upgraded risk model now includes data on “urban conflagration” potential, allowing Delos to better understand how fires can spread in developed areas. This expansion coincides with a broader crisis in the California insurance market, where numerous insurers are scaling back or pausing new business entirely due to heightened wildfire risks.

Delos’s approach represents an alternative for risk distribution, blending advanced analytics with traditional underwriting methods to address significant coverage gaps across the state. Currently, the company insures approximately 30,000 homes throughout California.

Operating in the non-admitted market means Delos is not backed by the state in the event of insolvency, which typically involves higher premiums for its policies. However, the sophisticated modeling employed by Delos allows for the mitigation of sharp price swings, potentially resulting in more affordable policies compared to California’s FAIR Plan, which is known for being high-cost and limited in terms of coverage.

The insurance products offered by Delos cover a wide range of risks, including water damage, theft, liability, and wildfire, making them more inclusive than the offerings from the FAIR Plan. The company predominantly sells its policies through independent agents, which allows for expedited appointment processes.

Looking ahead, Delos plans to expand its technology-based wildfire insurance offerings beyond California, supported by a recently secured $9 million fundraising round in late 2024. Future products will likely include high-value home and commercial property insurance as part of the company’s growth strategy. Delos emphasizes its commitment to solving the coverage gap issue in California, aiming to provide long-term insurance options to its homeowners.

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Deeper Dive: News & Info About This Topic

• Insurance Business: Delos Insurance Expands Wildfire Coverage
• Intelligent Insurer: Trusted Wildfire Science Allows Delos Insurance to Expand Coverage
• ABC10: California Company Using AI to Assess Risk
• Bloomberg: As California Wildfires Rage, One Insurer Taps AI for Coverage
• Carrier Management: Feature on Wildfire Insurance
• Wikipedia: Wildfire in California
• Google Search: California Wildfire Insurance
• Google Scholar: Wildfire Risk Assessment
• Encyclopedia Britannica: Wildfire
• Google News: California Wildfires

Author: STAFF HERE BEVERLY HILLS WRITER

The Beverly Hills Staff Writer represents the experienced team at HEREBeverlyHills.com, your go-to source for actionable local news and information in Beverly Hills, Los Angeles County, and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as the Rodeo Drive Concours d'Elegance, the Beverly Hills artSHOW, Concerts on Canon, and holiday celebrations throughout the city. Our coverage extends to key organizations like the Beverly Hills Chamber of Commerce and Visit Beverly Hills, plus leading businesses in luxury fashion, hospitality, and entertainment that drive the local economy. As part of the broader HERE network, including HERELosAngeles.com, HERESantaAna.com, HEREHuntingtonBeach.com, and HERECostaMesa.com, we provide comprehensive, credible insights into Southern California's dynamic landscape.