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ZestyAI

Category: AI in Analytics & BI

ZestyAI provides AI-powered property and climate risk intelligence for the insurance and real estate industries. ZestyAI was founded in 2015. The company is led by Attila Toth. Based in San Francisco, CA, USA. Team size: 68. Total funding raised: $46 million. Latest round: Series B. Key investors include Centana Growth Partners, Blamar Partners LLC, Plug & Play Ventures, Brex.

Founded
2015
Headquarters
San Francisco, CA, USA
Team size
68
Total funding
$46 million

Value proposition

Delivers granular, property-level risk insights using computer vision on aerial imagery and proprietary data models to enable more accurate underwriting, pricing, and portfolio management.

Products and solutions

Z-PROPERTY™ – Comprehensive property attribute database., Z-FIRE™ – AI-powered wildfire risk model., Severe Convective Storm Model – Hail and windstorm loss prediction tool., Digital Roof™ - AI-powered roof condition and attribute analysis., Location Insights - Property-level data for various risk factors., AI Agent for Competitive Intelligence Research.

Unique value

Its core innovation lies in using advanced computer vision on high-resolution aerial and satellite imagery, combined with machine learning trained on vast datasets of historical loss events, to assess individual property risks at scale.

Target customer

Property & casualty insurance companies, reinsurers, and real estate investors.

Industries served

Insurance, Real Estate

Technology advantage

The platform can extract over a hundred unique attributes per building, enabling highly granular risk scoring. Its wildfire model is one of the first to be approved by multiple state regulators (e.g., California, Arizona).

How they differentiate

ZestyAI differentiates through the depth of its proprietary datasets, proven accuracy in catastrophe modeling (especially wildfire), strong regulatory acceptance, and expansion into generative AI tools for competitive intelligence.

Main competitors

Cape Analytics, Betterview, Arturo.ai, GeoPhy, Kettle, Descartes Labs, Jupiter Intelligence

Key partnerships

Aon, Amica Mutual Insurance Company, Farmers Insurance, Berkshire Hathaway GUARD Insurance Companies, Kin Insurance, Standard Casualty, AFR Insurance, Avoca Risk Underwriting Solutions, Colorado FAIR Plan Authority

Notable customers

Amica Mutual Insurance Company, Farmers Insurance Group, Aon, Berkshire Hathaway GUARD Insurance Companies, Kin Insurance, Standard Casualty, AFR Insurance

Major milestones

Became the first third-party wildfire model approved under California’s regulatory framework for insurance pricing., Named to the Forbes AI 50 list., Launched a generative AI-powered agent for the insurance industry., Closed a $33M Series B funding round in July 2022., Received approval for its AI-driven storm models in Arizona in July 2024.

Growth metrics

Delivered over 31 million property risk assessments in 2024, with projections to exceed 46 million in 2025. Used by approximately half of the top 50 U.S. property and casualty insurance carriers.

Market positioning

A leader in AI-driven property and climate risk analytics, particularly known for its regulatory-approved wildfire risk models.

Geographic focus

Primarily North America, with a focus on the U.S. market.

Patents and IP

Holds at least 5 patents related to its image-based property analytics technology.

About Attila Toth

Attila Toth is a seasoned entrepreneur and business leader with over two decades of experience in building high-growth businesses at the intersection of data and climate science. Prior to founding ZestyAI, he led global sales at C3.ai, an enterprise AI platform. He has also held leadership positions at SunEdison and McKinsey & Company.

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