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Fire is a nationally and globally significant process that strongly affects human–dominated and wild landscapes. Even though fire can be devastating, wildland fire is a natural and integral force on our landscapes, providing value by decreasing fuels at the Wildland Urban Interface (WUI) to promote safe communities. However, uncontained wildfires can devastate communities, threaten our health, and result in substantial economic losses. There has been greater than a $50B increase in wildfire insurance claims from 2017-2021, which has been exacerbated by climate change. Our partners at Kettle reinsurance are focused on building a smarter reinsurance model for protecting today’s globalized world from the catastrophic effects of climate change. Our objective is to develop the world's first grid-based wildfire probability product using multiple sources of satellite data to determine whether a ‘conflagration' (fire larger than 999+ acres) has ‘breached’ a grid cell. This will substantially decrease the time it takes for homeowners to receive payouts, from over a year to a couple months. Working with our partners at Kettle reinsurance, we use multiple satellites and ancillary data to weigh the likelihood of fire, based on a number of sources that verify a fire burning in a grid cell and the level of confidence in the data source. For example, Sentinel-2 vegetation-change indices have a higher level of confidence than VIIRS (Visible Infrared Imaging Radiometer Suite) active-fire detection data; and VIIRS active-fire detection data have a higher-level of confidence than MODIS (Moderate Resolution Imaging Spectroradiometer) active-fire detection data. The first iteration has been developed for responding to wildfires in California, with the possibility to expand nationwide and globally.