Property focused climate and risk consultancy ZestyAI, has published a report in which 61% of the 220 executives canvassed said the insurance market was not adapting quickly enough to climate remated risks. The 2025 State of Property Insurance report found that 68% of executives believed advanced AI models can help manage climate-related losses more effectively, but that only one in four cited AI as a primary method for managing perils.

Attila Toth, founder and CEO of ZestyAI, said: “The industry is still modelling risk as if little has changed, even as climate volatility accelerates. Relying on yesterday’s tools is leaving insurers exposed.”

He added: “AI-driven, property-specific models don’t just predict risk more accurately; they also show how mitigation changes outcomes, giving insurers, regulators, and policyholders the transparency they need to build resilience.”