Concentration Risk
Exposure in Check. Growth in Sight.
AI-powered insights reveal wildfire exposure, adverse selection, and growth opportunities at the regional and sub-territory level.
Blind Spots in Portfolio Concentration
Legacy models overlook regional variations and emerging hotspots, leaving carriers exposed to catastrophic losses and adverse selection.
Benchmark, Manage, and Grow With Confidence
ZestyAI delivers region-based concentration insights using Z-FIRE, helping carriers assess exposure, avoid adverse selection, and target safe expansion.
Region-Level Intelligence Without Complexity
Concentration Management runs on Z-FIRE, the industry’s leading AI wildfire model. It requires no lengthy IT buildout and integrates easily into underwriting, pricing, and portfolio management workflows
Reduce Over-Exposure
Pinpoint where wildfire risk is clustered and rebalance portfolios before a single event destabilizes your book.
Avoid Adverse Selection
Benchmark against the market to see where you’re carrying disproportionate risk and adjust guidelines accordingly.
Unlock Safe Growth
Identify underweighted, lower-risk territories with granular data to expand profitably and sustainably.
Advanced Clustering Analysis
Precision-driven spatial clustering that isolates true wildfire accumulation—so you can see high-risk groups, hidden linkages, and emerging hotspots with absolute clarity.
Our density-based method groups properties by real hazard behavior, not arbitrary boundaries—surfacing high-risk clusters and nearby exposures likely impacted by the same event.
Concentration Intelligence That Works at Every Level
Traditional aggregation methods stop at counties or zip codes, missing real hazard footprints and exposing blind spots. ZestyAI’s Concentration Management delivers region-level clarity with geospatial clustering, advanced concentration metrics, and actionable composite scores—without requiring heavy IT lift.
Geospatial Clustering
Move beyond arbitrary boundaries with consistent, hazard-aligned cells (~5 sq km each) that reflect real wildfire footprints.
Multi-Model Perspective
Align Z-FIRE with other models to assess severity, concentration, and diversification in one actionable metric.
Market Intelligence Reports
Compare your portfolio against the entire market to uncover adverse selection, over-exposure, and safe-growth territories.
.png)
Dynamic Underwriting Controls
Set reactive thresholds and adjust guidelines as concentration shifts, backed by loss-validated data from Z-FIRE
Easy Integration
Delivered through interactive maps, reports, and APIs so teams can apply insights immediately without complex IT projects
Balance risk. Unlock growth.
With ZestyAI, carriers move beyond legacy wildfire models to manage exposure, avoid adverse selection, and identify profitable opportunities in new territories.
See Where Exposure Ends and Growth Begins
ZestyAI delivers region-level concentration insights that reveal wildfire exposure, prevent adverse selection, and uncover safer growth opportunities.
