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MAP Underwriting adopts ZestyAI wildfire model for California reinsurance

The Z-FIRE model is designed to forecast which California properties face the highest wildfire risk and which can better withstand it, using higher resolution data than broad-scale models.

Reported · Written up by our desk · Reinsurance

MAP Underwriting, a Lloyd’s of London managing agency, has adopted ZestyAI’s Z-FIRE to strengthen wildfire risk analysis across its property reinsurance portfolio, with a focus on California.

Reinsurance News reports that MAP selected the wildfire risk model to improve how it evaluates and manages a rapidly changing hazard environment where loss-driving structural and environmental conditions can vary over short distances, outpacing broad-scale modeling approaches.

Z-FIRE is built to provide a more refined view of wildfire risk at the property level, forecasting which specific properties face higher exposure and which are structurally equipped to survive, by using computer and machine learning trained on the industry’s largest wildfire loss dataset.

MAP said the model will be integrated into its underwriting framework to support exposure analysis, helping teams distinguish wildfire risk more precisely across California and maintain a more consistent, data-driven view of portfolio exposure, according to Reinsurance News.

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