Z-FIRE™
Industry-leading Wildfire Risk Insights
Trained using artificial intelligence (AI) on the world's largest wildfire loss database, Z-FIRE™ offers individualized wildfire risk scores for each property based on its unique characteristics.
8 of the 10 costliest wildfires have occurred in the last decade.
↳ Before Z-FIRE™
Wildfire risk was assessed at the regional level, ignoring property-specific factors and risk mitigation.
↳ With Z-FIRE™
Wildfire risk is assessed at the property-level, providing increased transparency and predictive power.
Wildfire Risk Scoring
Z-FIRE™ Community-level Score
How likely are wildfires to occur in this area?
Z-FIRE™ uses AI and extensive loss data to enable more accurate and granular community-level scores than traditional regional models.
Z-FIRE™ Property-level Score
If a property experiences a wildfire, how likely is it to be damaged?
Z-FIRE™ combines vital property details, including mitigation efforts, and comprehensive loss data with AI to produce a property-level predictive risk score.
Benefits
Z-FIRE™ Accurately Assesses Wildfire Risk
- Improved Risk Selection
- Premiums Commensurate with Risk
- Decreased Loss Ratio
- Fully Compliant with Current Regulations from DOIs (e.g., California)
Z-VIEW™ Application
Zero IT Integration & Easy to Use
Z-VIEW™ is a web-based application that gives users the ability to quickly access Z-FIRE™ scores and score explanations for any address.
- Unprecedented transparency
- Easy address lookup
- Score explanations
- Recent aerial imagery
- Simulate scores tied to mitigation
Adopted By Leading Insurers
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"If Z-FIRE was used to completely re-underwrite Amica’s entire California portfolio, in 2020 Amica would have prevented 95% of its wildfire losses in the state."
William Pitts
Senior Assistant Vice President, Amica
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“While most of our competitors pulled out of Arizona, we decided to stay. Z-FIRE gave us a different approach. We can assess individual properties and write the risks that make sense, rather than rejecting entire areas based on location alone.”
Rick Smith
Underwriting Manager
Standard Casualty
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"Farmers is excited to be a leader in helping to address the state's complex homeowners insurance marketplace using ZestyAI's innovative new technology."
Keith Daly
President of Personal Lines, Farmers Insurance
Z-FIRE Performance
ZestyAI’s Risk Scores Align with Real-World Outcomes
Following the recent Los Angeles wildfires, ZestyAI’s analysis revealed that 94% of the area affected by the Palisades Fire and 87% of the area impacted by the Eaton Fire were classified as high or very high risk by Z-FIRE.
The model also demonstrated how property-specific characteristics influenced fire damage, showing that the highest-risk properties were 50% more likely to be destroyed compared to the lowest-risk properties—even in an urban conflagration with a 60% overall destruction rate.
Strong Regulatory Momentum
Adopted for Rating & Underwriting in the Western U.S.
Map includes states where Z-FIRE™ has been adopted by insurance carriers for rating and/or underwriting.