California FAIR Plan Extends ZestyAI Partnership

ZestyAI has announced a four-year extension of its partnership with the California FAIR Plan.

The Golden State’s insurer of last resort has tapped ZestyAI’s Z-FIRE wildfire risk model for risk assessment since 2021. That model leverages AI-driven analysis of more than 2,000 historical wildfires and integrates satellite and aerial imagery, topography and property-level characteristics to provide property-specific assessments.

According to a ZestyAI press release, this approach is backed by decades of research, including studies from the Insurance Institute for Business & Home Safety.

“We’re honored to continue supporting the California FAIR Plan in providing reliable insurance coverage in high-risk regions,” said Attila Toth, founder and CEO of ZestyAI. “By providing Z-FIRE scores directly to policyholders, the California FAIR Plan has increased transparency around wildfire risk and empowered homeowners to take meaningful mitigation steps—like defensible space measures and fire-resistant building materials—to better protect their homes and communities.”

Related: California Commissioner Investigating State Farm’s Handling of LA Wildfire Claims

ZestyAI has secured regulatory approvals across the U.S., including all Western states for Z-FIRE and broad acceptance of its severe convective storm models from Texas to Colorado, the Midwest and the Great Plains.

The California Department of Insurance reviewed Z-FIRE as part of recently approved rate filings. Insurers can continue filing to use the model for rate segmentation and underwriting without additional review under the Pre-Application Required Information Determination (PRID) process.

ZestyAI has also partnered with other insurers of last resort, including the Colorado FAIR Plan.

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California