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
Are You Ready?
Learn More About California Regulatory Compliance
Milliman and ZestyAI have come together to assist California insurers in their journey toward compliance with the recently enacted regulations from the CDI. These modifications, titled "Mitigation in Rating Plans and Wildfire Risk Models," were passed on October 14th, 2022. They promise a more transparent approach to wildfire risk matters within the state. Join us as we explore how AI can help turn these requirements into opportunities for you.
- Best practices used by leading insurers to meet regulations
- Actuarially-sound advice for applying discounts
- How Z-FIRE™ provides the information you need to comply
- ZestyAI-proposed homeowner communications
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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"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
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.