Your insurance company is watching your property. So should you.
Homeowners in fire-prone areas are getting dropped by their insurance. TMRW gives you a plan to reduce your risk, find the money to pay for it, and prove the results — so you keep your coverage.
Free for Ojai residents with a town code
The problem
If your insurance drops you, it’ll cost you $3,000 to $10,000+ more per year.
$3K–$10K+
extra per year when you lose coverage
Insurance companies aren’t sending warnings. They’re sending non-renewal letters.
61%
jump in non-renewals in fire-prone zip codes
California Department of Insurance data shows insurers are pulling out fast — and the FAIR Plan is bare-bones and expensive.
The homeowners who keep their coverage?
They’re the ones who can prove their property is lower risk. That’s exactly what TMRW helps you do.
How it works
Know your risk. Reduce it. Prove it.
See Your Risk
Enter your address and get a property-specific risk score. Not a zip code guess — a score based on your actual parcel, vegetation, terrain, and fire history.
Get It Done for Less
We find grants, state rebates, and group discounts with your neighbors. Then connect you with verified local contractors who do the work.
Prove It, Save More
Satellite monitoring verifies your risk is dropping. We give you the proof to show your insurer — on your terms.
Estimates based on what a property in Ventura County could expect
Your AI Advisor
An ecologist, hydrologist, and fire scientist — on call 24/7.
TMRW’s AI advisor already knows your parcel, soil, slope, vegetation, fire history, and microclimate. It runs fire behavior models and hydrology simulators in real time — so every answer is specific to your property.
Ask it anything. It gives you options, runs the numbers, and shows you what changes. In any language.
Is it safe to remove the eucalyptus near our fence? My neighbor says they provide good shade.
Great question. Eucalyptus are actually one of the highest fire-risk trees — their oil-rich bark and leaves are highly flammable and can throw embers hundreds of feet.
I’d recommend replacing with a coast live oak — same shade, deep roots that stabilize soil, a fraction of the fire risk, and it supports local wildlife. Want me to add this to your plan?
What about cost?
Eucalyptus removal runs $800–2,000 depending on size. A 15-gallon coast live oak is ~$150. There’s a Ventura County rebate that covers up to 50% of native tree planting. Want me to check your eligibility?
Better together
Risk reduction is a team sport.
You can do a lot on your own. But when your neighbors, your block, and your city coordinate — costs drop and risk reduction compounds.
Your property
Clear vegetation, create defensible space, reduce your score.
Your neighbors
Group projects unlock contractor discounts and shared grant applications.
Your community
City-wide coordination means area-wide risk drops — which is what insurers actually want to see.
The math
This isn’t a hard decision.
Without TMRW
$3,000–$10,000+
extra per year if you get dropped
No plan
to reduce your risk score
No proof
to show your insurer
With TMRW
$16/month
or free with your Ojai town code
Grants found, contractors matched
we do the hard part for you
Proof your insurer can use
documented, verified risk reduction
$16 a month. Thousands saved every year. The math isn’t complicated — the only risk is doing nothing.
Figures shown are illustrative examples. Actual results vary by property.
Why trust TMRW
Built on science, not hype.
Parcel-Level Analysis
Not zip code averages. We analyze your specific property using satellite imagery, terrain data, vegetation mapping, and historical fire patterns.
Verified by Satellite
Never be caught off guard. TMRW tracks your risk score and keeps you posted — so you always know where you stand before your insurance company does.
Insurance-Ready Reports
We generate documentation your insurer can actually use. Specific actions taken, verified results, quantified risk reduction — in their language.
Insurance decisions happen whether you’re ready or not.
Enter your address. See your risk. Get a plan. It takes two minutes and could save you thousands.
Free for Ojai residents with a town code