Cape Analytics

Cape Analytics uses geospatial AI to assess property risk from aerial imagery, giving insurers instant, address-level intelligence.

Overview

Cape Analytics applies computer vision and machine learning to aerial and satellite imagery, extracting property characteristics — roof condition, yard debris, solar panels, pools, structural features — at the individual address level. Its database covers tens of millions of structures across the US and beyond.

Insurers use the intelligence at quote time to price risk accurately and at claims time to verify conditions, including storm damage assessment. Backed by investors including State Farm Ventures and acquired by Moody’s in 2025, Cape sits at the center of the shift from questionnaire-based to observation-based underwriting.

Underwriting property risk has traditionally depended on what applicants report and what inspectors occasionally observe, both of which are expensive and incomplete. Cape’s geospatial approach observes properties continuously from the air, extracting hundreds of characteristics — roof age and condition, solar panels, pools, overhanging trees, lot debris — at the individual address. Underwriters receive that intelligence at quote time, letting them price accurately and avoid adverse selection, while change detection flags material alterations at renewal. After catastrophes, the same imagery supports damage assessment at scale. The database’s historical depth enables time-series analysis that single inspections cannot match, and integration via API means the intelligence lands inside existing underwriting workflows rather than a separate portal.

Because the observations are systematic rather than sampled, insurers can price and monitor entire books consistently, and underwriters spend their time on judgment rather than collecting basic facts about a property.

Financial services tools in this category carry an extra burden: decisions must be explainable, auditable and compliant with regulation, so transparency and governance rank alongside predictive performance when organizations choose platforms.

Key Features

• Address-level property intelligence from aerial imagery
• Roof condition and hazard feature detection
• Time-series change detection for properties over time
• Instant risk assessment at quote and renewal
• Catastrophe and storm damage support for claims
• Historical database covering tens of millions of structures

Pricing

Cape Analytics is sold through data licensing and enterprise agreements with insurers and risk platforms.

Who Is It For

Property insurers, MGAs and risk platforms wanting observation-based underwriting and claims validation.

FAQ

Is Cape Analytics free to use?

No self-serve tier; access is licensed to organizations through commercial agreements.

Does Cape Analytics offer an API?

Yes — property intelligence is delivered via API and platform integrations into underwriting systems.

How does Cape Analytics compare to alternatives?

Compared with questionnaire data and inspection reports, Cape is instant and consistent at scale, while providing less interior detail than a physical inspection.