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The Berkshire Hathaway Homestate Companies Expands Partnership with to Leverage Its AI-Powered Wildfire Risk Model Across 12 States

--News Direct--, the leader in property analytics powered by Artificial Intelligence (AI), and The Berkshire Hathaway Homestate Companies (BHHC) today announced that they have expanded their partnership. BHHC is extending the use of’s AI-powered wildfire risk model, Z-FIRE™, to 12 states.

Z-FIRE™ will be used to inform both underwriting and rating decisions, and the partnership expansion comes at a critical time for the insurance industry. A recent report from Aon found there were three separate wildfires in 2021 alone that generated economic losses beyond $1 billion, which outlines the growing importance of property-specific risk models for maintaining coverage in wildfire-prone states.

“Unfortunately, wildfires are impacting communities well beyond the western U.S., and managing that risk requires advanced models that help us truly understand wildfire risk at the individual-property level.’s model has outperformed our homegrown wildfire risk model,” said Brian Hall, Vice President - Products and Underwriting at Berkshire Hathaway Homestate Companies. “We started working with last year and saw an immediate opportunity to leverage granular wildfire insights that allow us to confidently write policies that commensurate with a property’s true risk.”

Z-FIRE™ not only provides regional and property-specific risk scores but also an explanation of the specific risk factors affecting the property. Using artificial intelligence that has been trained on more than 1,500 wildfire events across more than 20 years of historical loss data, it considers property-level features that influence risk. Topography, historical climate data and critical factors extracted from high-resolution imagery such as building materials and surrounding vegetation in multiple defensible spaces are taken into account. This empowers insurers with a true property-level risk score that effectively splits risk, while providing the flexibility to recognize mitigation efforts by homeowners and their respective communities.

“The Berkshire Hathaway Homestate Companies have always been known for taking a progressive, innovative approach to risk management, and as wildfires continue to reach new geographies we commend them for being proactive with their approach to rating and underwriting around wildfire risk,” said Attila Toth, Founder & CEO of “The broad adoption of Z-FIRE™, which is now used in rating and underwriting across the entire Western US, is a critical piece of hardening the insurance industry and their customers to defend against climate risks.”

For more information on and its climate risk solutions please visit <> Berkshire Hathaway Homestate Companies

About offers insurers and real estate companies access to precise intelligence about every property in North America. The company uses AI, including computer vision, to build a digital twin for every building in North America, encompassing 200B property insights accounting for all details that could impact a property’s value and associated risks, including the potential impact of natural disasters. Visit for more information.

About Berkshire Hathaway Homestate Companies

The Berkshire Hathaway Homestate Companies (BHHC) are a group of six insurance carriers that are part of the Berkshire Hathaway insurance group. Headquartered in Omaha, Nebraska, and with more than 50 years in business, BHHC has evolved from a regional carrier to a national insurance group writing a diverse book of policies from coast to coast. Its Workers’ Compensation Division is based in San Francisco, California.

The Berkshire Hathaway Homestate Companies are Berkshire Hathaway Homestate Insurance Company, BHHC Special Risks Insurance Company, Continental Divide Insurance Company, Cypress Insurance Company, Oak River Insurance Company, and Redwood Fire and Casualty Insurance Company. Visit

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