American Homeowners Cutting Corners on Necessary Home Upkeep
ZestyAI and the Colorado FAIR Plan Partner to Enhance Wildfire Risk Assessment
In a significant move for the insurance industry, ZestyAI, a leading company in climate and property risk analytics, has partnered with the Colorado FAIR Plan. This partnership underscores the growing importance of AI-powered risk analytics in the sector.
ZestyAI's analysis indicates that wildfire risks in the USA are substantial, with $2.15 trillion worth of U.S. residential property at high risk of wildfire damage. According to the latest AI-powered analysis from ZestyAI, as of August 2025, millions of US residential properties, particularly in the Western United States, face moderate to high wildfire risks. More than 2.6 million homes in the West are at moderate or greater wildfire risk, with over one million classified at high risk.
The partnership between ZestyAI and the Colorado FAIR Plan is focused on delivering property-specific risk assessments using ZestyAI's AI-driven risk models for wildfire, hail, and wind risks. This collaboration aims to improve insurance access for homeowners in high-risk areas, with the Colorado FAIR Plan using ZestyAI's technology to assess and provide insurance coverage for properties at risk of wildfire, hail, and wind damage.
ZestyAI's AI-driven risk models, including Z-FIRETM, Z-HAILTM, and Z-WINDTM, leverage AI and multi-source data—including aerial imagery and verified roof age—to provide accurate risk assessments that reveal critical factors like roof age discrepancies, which traditional data sources often miss.
This partnership is part of a broader trend in the global insurance industry, highlighting the potential of AI-powered risk analytics to improve wildfire risk predictions and insurance pricing by addressing data inaccuracies, such as self-reported roof ages. The partnership offers a more complete view of property risk, essential amid growing climate volatility and increasing wildfire threats.
The analysis by ZestyAI is considered authoritative in the field of climate and property risk analytics, providing insights into the risks of wildfire damage to U.S. residential property. The new AI-powered analysis from ZestyAI also shows that an additional 4.3 million individual homes in the U.S. face heightened wildfire risk.
In conclusion, the partnership between ZestyAI and the Colorado FAIR Plan is significant as it aims to improve insurance access for homeowners in high-risk areas, offering a more accurate and complete view of property risk, particularly in the context of wildfire hazards. The collaboration is an exciting development in the insurance industry, demonstrating the potential of AI-powered risk analytics to address pressing challenges posed by climate change and natural disasters.
In response to the partnership between ZestyAI and the Colorado FAIR Plan, the AI-driven risk models may extend their underwriting to encompass events such as home-improvement projects and lifestyle choices that could potentially impact wildfire risks in home-and-garden settings. As a result, property owners in high-risk areas could receive tailored insurance coverage considering both traditional risks and factors related to one's home, like home-improvement decisions and hobbies that could contribute to wildfire events.
