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ZestyAI’s Z-FIRE Green Lit by Nevada Division of Insurance

Wildfire risk analytics solution now approved for underwriting or rating across the entire western US.

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ZestyAI’s Z-FIRE Green Lit by Nevada Division of Insurance

San Francisco, CA, June 6, 2024 – Today, ZestyAI, the leading provider of climate and property risk analytics solutions powered by Artificial Intelligence (AI), is announcing it has received approval from the Nevada Division of Insurance for its wildfire risk analytics solution, Z-FIRE™. With this latest approval, Z-FIRE is now approved for underwriting or rating across all US wildfire states.

Wildfires continue to grow in both intensity and frequency, causing immense damage to structures and property. Insured losses have increased dramatically in recent years due to population growth, expansion of the Wildland Urban Interface (WUI), and drought, leaving insurers searching for better ways to predict and mitigate wildfire risk.

Z-FIRE is an AI-powered climate risk model that evaluates both the hazard and vulnerability of wildfire damage at the property level. Z-FIRE evaluates each property’s unique characteristics, including defensible space, building materials, and topography, and how they interact with climatology to predict which properties are most likely to experience wildfire and how likely they are to survive. This approach is rooted in decades of science and experimentation by researchers, including the Insurance Institute for Business & Home Safety (IBHS).

“At ZestyAI we understand how integral regulatory approvals are to carriers being able to get the full value from our products,” said Bryan Rehor, Director of Regulatory Affairs at ZestyAI. “Having our models approved by regulators can be a significant advantage for our customers as it can mean significantly faster approval times for future filings containing ZestyAI models.”

At ZestyAI we understand how integral regulatory approvals are to carriers being able to get the full value from our products.

ZestyAI has long recognized the importance of regulatory approvals in the ethical and transparent implementation of AI in insurance. It is committed to understanding and complying with regulatory policy, while also influencing how the industry navigates the ethical use of AI in insurance.

As leaders in securing approvals for AI-powered risk models, ZestyAI collaborates closely with numerous regulatory bodies, consistently achieving successful outcomes. ZestyAI actively shapes regulations through various strategies, including regular model audits, bias testing, scientific data selection, and continuous engagement with regulators. This proactive approach makes ZestyAI the go-to risk analytics partner for leading insurance carriers across the nation.


More information on the insurance industry’s dynamic regulatory environment and AI regulatory compliance can be found in ZestyAI’s interactive guide: When Innovation & Regulation Meet.

About ZestyAI

ZestyAI is the leading property and climate risk platform for Property and Casualty insurers in North America. The company has revolutionized the world’s understanding of property and climate perils by combining artificial intelligence with historical losses and cutting-edge data sources. Leading insurers trust ZestyAI’s platform to identify risk and assess exposure, including the impact of catastrophic events like wildfires, hail, and wind storms. ZestyAI helps insurers make more informed underwriting decisions, rate fairly and accurately, enhance reinsurance outcomes, and improve customer experience through actionable risk insights that both property owners and regulators trust.

For more information on how ZestyAI is revolutionizing risk management, visit



For more information, contact:

Linsey Flannery, Director of Communications, ZestyAI


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