ZestyAI
Property-level AI risk models for wildfire, hail, wind, and water perils used in underwriting and rating.
About
ZestyAI is a San Francisco risk decision platform that scores individual properties for catastrophe and attritional perils instead of relying on zip-code averages. Its models apply computer vision and machine learning to aerial imagery, building records, and permit data to assess wildfire, severe storm, hail, non-weather fire, and non-weather water risk, plus attributes like roof age and property characteristics. Products include Z-PROPERTY, Z-FIRE, Z-HAIL, Z-WIND, Z-STORM, and Z-WATER.
In October 2026 the company reported more than 500 regulatory approvals across 317 carrier filings in 44 US states, and says more than half of the 100 largest US P&C insurers use its models for underwriting, rating, reinsurance, or regulatory work. Customers named in 2026 announcements include Horace Mann, Harford Mutual, and Windward Risk Managers. It raised a $33 million Series B in 2022 led by Centana Growth Partners. Pricing is enterprise and quote-based.
What it can do
- Peril-specific property risk models
- Roof age and property characteristic insights
- Regulatory filing-ready model documentation
- Reinsurance exposure analytics
- Regulatory and competitive intelligence from insurance filings
Setup
Contact ZestyAI for a demo; models integrate into underwriting and rating workflows.
Prerequisites
P&C underwriting or rating operation with property lines.
Use cases
Works with
Trust score — 7/10
Scored 8/10 (TIER verified, metrics-v1). Evidence: October 2026 press release confirms 500+ regulatory approvals across 317 filings in 44 states; multiple 2026 trade outlets confirm named insurer deployments (Horace Mann, Harford Mutual, Windward). Strengths: regulator-accepted models, deep carrier adoption, fresh 2026 milestones. Docked for: (1) closed-source SaaS, model internals not public; (2) adoption figures are vendor-reported. License: proprietary.
How the trust score is built
Full methodology →- Adoption · stars/downloads, log-scaled vs peers
- 9.0/10
- Maintenance · recency, releases, issue load
- 9.0/10
- Openness · license + docs
- 4.0/10
- Manual review · sanity read + red-flag check
- 7.0/10
- · Oct 2026 press release confirms 500+ regulatory approvals across 317 filings in 44 states; 2026 outlets confirm named deployments
- · Regulator-accepted models, deep carrier adoption; adoption figures vendor-reported
Sources
Every fact above was checked against these sources. Where a claim comes from the provider and couldn't be independently verified, the text says so.