The partnership integrates ZestyAI’s AI-driven risk models—Z-FIRE™, Z-HAIL™, and Z-WIND™—to provide property-specific risk assessments for wildfire, hail, and wind damage, ultimately improving insurance affordability and availability across the state.

“Our mission is to ensure every Coloradan has access to insurance that reflects their property’s actual risk, not outdated assumptions,” said Kelly Campbell, Executive Director of the Colorado FAIR Plan. “ZestyAI’s models will help us bring greater resiliency to the market while equipping homeowners with practical mitigation guidance.”

The Colorado FAIR Plan estimates that nearly 30,000 families currently classified as high-risk under traditional models could become eligible for coverage through this initiative. By leveraging detailed risk data, the Plan aims to align premiums more accurately with actual property conditions while offering homeowners actionable mitigation strategies. Those who invest in risk-reducing measures may transition more quickly back to standard insurance markets, where they can secure broader coverage at competitive rates.

Colorado regulators have emphasised the importance of risk-based pricing and transparency to stabilize the state’s insurance market. Colorado Insurance Commissioner Michael Conway has spearheaded efforts to integrate mitigation strategies into coverage decisions, aligning with the FAIR Plan’s adoption of ZestyAI’s AI-driven insights.

“This partnership ensures risk assessments reflect real property conditions—not just broad classifications—so homeowners can access both coverage and meaningful mitigation guidance,” said Bryan Rehor, Director of Regulatory Affairs at ZestyAI. “Through AI-powered insights, we’re helping homeowners secure risk-aligned coverage options.”

ZestyAI’s platform integrates aerial imagery, historical building permits, geospatial data, and structural attributes to provide precise, property-level risk assessments. Insurers utilizing ZestyAI’s models can evaluate critical risk factors—including vegetation proximity, roof condition, and building materials—to inform underwriting decisions, pricing, and mitigation recommendations.

This collaboration builds on ZestyAI’s success with the California FAIR Plan, which expanded coverage for hundreds of thousands of homeowners in 2024. The Colorado Department of Insurance’s recent approval of Z-FIRE™, Z-HAIL™, and Z-WIND™ further solidifies ZestyAI’s standing as a trusted provider of advanced risk assessment models.