Scoring vendors · ZestyAI

Your letter names ZestyAI or Z-FIRE? Here is what the model measured.

Z-FIRE is a property-level wildfire model built by ZestyAI and used by carriers across the western states, including, by the company’s own account, insurers covering roughly 40 percent of the California homeowners market and the California FAIR Plan.

Last reviewed September 2, 2026 · Part of the nonrenewal guide

What Z-FIRE measures

Z-FIREProperty-level score

Per ZestyAI's public materials. The vendor's own description is at zesty.ai/products/wildfire.

Question one: will fire reach the parcel The model evaluates the likelihood that a property falls inside a future wildfire perimeter, based on regional fire behavior, vegetation, topography, and suppression capacity.
Question two: will the structure ignite Given fire nearby, the model predicts ignition likelihood from roof characteristics, defensible space, and other property-specific features, drawing on structure-ignition research from the Insurance Institute for Business and Home Safety.
How it sees your home Computer vision reading aerial and satellite imagery, trained against a historical database of wildfire losses. Nobody walks the property.

Why this name shows up in nonrenewal files

ZestyAI reports regulatory approval for rating and underwriting use across the western wildfire states, and in California the model has been cleared for use in rate filings under the Department of Insurance's pre-application review process. When a carrier or the FAIR Plan prices or declines a home on a property-specific wildfire score in those states, this is one of the handful of models likely behind it.

The part of the score you control

Read question two again. Roof characteristics and defensible space are your factors: they change when you do the work. But the model only sees the change when its imagery does, and imagery refreshes on the vendor's schedule, not yours. If your clearing or roof work postdates the imagery behind the score, the model is scoring a property that no longer exists. That failure mode has its own page.

What to do if your letter cites it

In Colorado, request the plain-language score explanation HB25-1182 requires and appeal with evidence of your mitigation work; the insurer has 10 days to acknowledge and 30 to decide. In California, the score must be disclosed and an appeal path has existed since October 2022. In Texas and elsewhere without an appeal right, the score report still tells you exactly what the next carrier's underwriter will see, which is what door two, shopping the market with documentation, is built on. Details by state: the tracker. How to read the letter itself: line by line.

Other vendors your letter might name: CoreLogic / Cotality and Verisk FireLine.

Where a sealed record fits

Z-FIRE's structure-ignition factors, the roof and the cleared distances, are exactly what a homeowner can photograph. Sealed Home Record turns an hour of walking the property into a sealed, tamper-evident, date-verified record of those factors as they stand now, with a certificate and a permanent verification link. It does not stop or reverse a nonrenewal, and it does not decide an appeal.

Their model read your home from the air. Answer from the ground.

$69 a year. One property, unlimited sealed captures.

Start my record