The approval covers ZestyAI’s Z-HAIL™, Z-WIND™, and Z-STORM™ models, which analyze the interaction between local climatology and property-specific attributes – such as roof condition, design, and complexity – to predict the likelihood and severity of storm-related claims. Unlike traditional ZIP code–level models, the AI-driven tools provide precise, property-level insights and transparent explanations of the factors influencing each risk score.

The move comes as insurers face mounting financial pressure from severe weather. In 2024, Kansas recorded 495 major hail events (≥1 inch), the second-highest in the U.S., while Nebraska reported 100 tornadoes – its highest total in over two decades. According to NAIC data, Nebraska posted the nation’s highest loss ratio at 135.74%, with Kansas at 67.98%.

“Securing approval in the storm epicenter of the U.S. reflects both the transparency of our models and our alignment with rigorous regulatory standards,” said Bryan Rehor, Director of Regulatory Affairs at ZestyAI. “It gives carriers the confidence to use precise, property-level hail and wind insights where they’re needed most.”

With the latest approvals, ZestyAI’s Severe Convective Storm models are now authorized for use in more than 20 states across the Great Plains, Midwest, and U.S. South – regions most affected by hail, wind, and tornado losses.