The New Gold Standard for Wildfire Risk Analytics

Milliman research shows Zestyᴬᴵ's Z-FIRE™ offers 12x the predictive power of a traditional model for assessing wildfire risk in California.

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and their financial well-being.


Improve the speed and accuracy of quoting, underwriting, and rating with 3D precision.


Utilize next-generation predictive risk models to improve risk selection and offer premiums commensurate with risk.

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12X More Predictive Power Wildfire Reported Loss Experience Ratio

Traditional Model: Wildfire Reported Loss Experience Ratio

44x Lift

"The higher the lift, the better the model differentiates the very high risk from the very low risk. Typical insurance models have lifts in the single digits, such as the one in [the left figure], so a lift of 44 has significant predictive power over typical models."

Source: Milliman, Understanding California wildfire risk part two: risk score model

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3.65x Lift