ZestyAI said regulators in Maryland, Nevada, and Virginia have approved its severe convective storm (SCS) models for use in insurer rate and rule filings, bringing its SCS Suite to 32 states.

SCS events—hail, wind, and related outbreaks—have generated more than $50 billion in insured losses annually over the past three years, with activity continuing into 2026, including multiple billion-dollar events in March.

The company positions its models as an alternative to ZIP code-based approaches, using property-level data to assess risk. The models are trained on carrier claims data and analyze how local weather patterns interact with individual property characteristics to estimate the likelihood and severity of losses.

The SCS Suite includes:

• Z-HAIL, focused on hail exposure based on roof features, prior damage, and local conditions
• Z-WIND, which evaluates wind vulnerability using roof structure and localized wind data
• Z-STORM, which estimates frequency and severity of storm-related claims

ZestyAI said its broader portfolio now has more than 200 regulatory approvals, reflecting increased adoption of property-level modeling in underwriting and pricing.