Farmers Insurance partners with

P&C and life insurer Farmers Insurance announced it has integrated ZestyAI ‘s wildfire risk scoring model (Z-FIRE™) into its homeowners insurance underwriting processes – selectively expanding opportunities for coverage for residences located in certain wildfire-risk areas. Farmers will be introducing an ‘innovative’ approach to help manage its statewide wildfire exposure by assessing individual wildfire risks to homes on a more granular basis while evaluating its overall wildfire risk exposure in various parts of the state.

“Farmers is excited to be a leader in helping to address the state’s complex homeowners insurance marketplace by introducing a new approach to underwriting risks and using’s innovative new technology, the Z-FIRE™ scoring model, to supplement our existing processes. We want to thank Insurance Commissioner Ricardo Lara and his team for their willingness to give us the opportunity to introduce advanced technologies to help meet the needs of California’s consumers. We remain committed to working with Commissioner Lara, consumers and other stakeholders to do our part to help make the insurance marketplace in California stronger and more resilient. At Farmers, we understand innovation is key to meeting the needs of consumers’ evolving expectations and to our ability to deliver maximum value to our customers.” – Keith Daly, president of personal lines for Farmers Insurance.

The Z-FIRE™ risk scoring model is a proprietary predictive risk evaluation platform that leverages high-resolution imagery, building and weather data, and artificial intelligence to identify property attributes that may impact the level of a property’s wildfire risk.

“’s work with Farmers to successfully implement the latest AI technology to accurately assess the risk of wildfires is another step forward in managing a problem that has claimed 194 lives and drove $57B in economic losses over the past five years in California. We are proud that this partnership expands access to essential insurance coverage for many Californians to help protect their livelihoods and communities from natural disasters.” – Attila Toth, founder and CEO of