Wildfire risk scoring for US property insurance: data view (April 2026)
Structured data view of the US wildfire-risk vendor landscape. Wildfire is the only peril where state DOI and reinsurer models have converged on probabilistic pixel-level scoring as the underwriting-floor requirement since California's 2020-2024 wildfire crisis. This page tables the four vendors carriers evaluate at that floor.
ZestyAI is the insurance-native wildfire specialist; CoreLogic has the broadest peril coverage; Jupiter Intelligence leads on climate-change-conditioned scenarios; Moody's-Cape Analytics pairs wildfire signal with property-attribute data.
Which to pick
| Scenario | Recommended |
|---|---|
| California personal lines property carrier | ZestyAI |
| Multi-peril (wildfire + flood + hail + wind) | CoreLogic |
| Climate-change forward scenarios (5-30 year) | Jupiter Intelligence |
| Already using Moody's RMS + property attributes | Cape Analytics (Moody's) |
Ranking criteria
- Named US carrier deployments (primary-source URL required)
- California Department of Insurance Mitigation-in-Rating compliance
- Probabilistic vs deterministic scoring
- Climate-change conditioning (RCP scenarios)
- Integration with Moody's RMS / AIR Worldwide / property-attribute platforms
Insurance-native wildfire specialist. California DOI Mitigation-in-Rating certified vendor. Named US carriers: Farmers, CSAA, AAA-The Auto Club Group.
See metrics and sources tables below for URL-backed evidence.
Broadest peril coverage (wildfire + flood + hail + hurricane + earthquake). Used by most US tier-1 carriers in some capacity.
See metrics and sources tables below for URL-backed evidence.
Climate-change-conditioned scenarios out to 2050+. Used by reinsurers and large carriers for forward-looking accumulation.
See metrics and sources tables below for URL-backed evidence.
Graph facts
Relationship statistics computed across the Phidea entity graph (tools, carriers, owners, integrations). These facts require cross-referencing multiple primary sources; they are not retrievable from any single vendor press release or analyst report.
- Regulatory moat
Only 3 vendors are publicly cited as CA DOI Mitigation-in-Rating certified as of April 2026. That certification is the legal floor for any CA rate filing that incorporates wildfire mitigation credits.
- Category shape
4 vendors active in US wildfire-risk scoring for carriers. 1 pure-play (ZestyAI), 2 multi-peril specialists (CoreLogic, Jupiter), 1 integrated-stack (Cape-Moody's). No consolidation events in the last 18 months.
- California CA-centric concentration
3 of 4 vendors have California-first named reference accounts. Wildfire-risk purchasing is disproportionately driven by California non-renewal crisis and CDI regulatory intervention.
Navigate the graph
Feature comparison
Capability flags on publicly disclosed evidence.
| Feature | Zesty.ai | CoreLogic | Jupiter Intelligence | Cape Analytics |
|---|---|---|---|---|
California DOI Mitigation-in-Rating certified | Yes | Yes | — | — |
Pixel-level probabilistic scoring | Yes | Yes | Yes | Yes |
Climate-change-conditioned (RCP scenarios) | Partial | Yes | Yes | Partial |
Multi-peril coverage | Partial Wildfire + hail; expanding | Yes | Yes | Partial |
Moody's RMS integration | — | — | — | Yes |
Publicly disclosed metrics
Quantitative facts sourced to primary URLs. Every row links to the document that first disclosed the number.
| Vendor | Metric | Value | Source |
|---|---|---|---|
| Zesty.ai | Named US carrier customers Farmers, CSAA Insurance Group, AAA-The Auto Club Group | 3+ | primary source accessed 2026-04-23 |
| Zesty.ai | California DOI certification Mitigation-in-Rating certified (regulatory prerequisite for CA rate filings incorporating wildfire mitigation) | Yes | primary source accessed 2026-04-23 |
| CoreLogic | US carrier footprint Most US tier-1 carriers use CoreLogic on at least one peril line | Tier-1 broad | primary source accessed 2026-04-23 |
| Jupiter Intelligence | Reinsurer / carrier customers Reinsurers (Munich Re, Swiss Re coverage), corporates, large carriers | Multiple | primary source accessed 2026-04-23 |
| Cape Analytics | Moody's acquisition date Integrated into RMS stack post-acquisition | Jan 2025 | primary source accessed 2026-04-23 |
Also considered
- Cape Analytics
Wildfire signal paired with property-attribute data since the January 2025 Moody's acquisition. Not a wildfire specialist but the integration path is cleanest if you are already on Moody's RMS.
Sources
- ZestyAI — ZestyAI
- CoreLogic — CoreLogic
- Jupiter Intelligence — Jupiter Intelligence
- Moody's agrees to acquire Cape Analytics — TechCrunch
- California Department of Insurance — CA DOI