01
Model the risk
Wildfire spread, hurricane surge, structural vulnerability — modeled per-parcel using physics-based simulation. Not statistical guesswork, actual fluid dynamics on your site.
We protect and insure homes — wildfire, hurricane, and beyond.
We use physics and AI to understand the true risk of your property and help make your home insurable.
Instant home read Parcel view assembled.
Structure, slope, openings, and nearby vegetation become one underwriting model.
Wildfire simulation Hurricane simulation Fire, wind, and water meet the parcel.
Stand cycles the home through natural perils before underwriting, not after.
Risk drivers Three details matter most here.
- Brush near the west wall
- Unscreened attic vents
- Roof edge uplift
Insure + protect $18,420 $15,980
Clear a 5-foot zone and add ember-safe vents. Risk goes down; premium follows.
How Stand Works
From science to insurance.
We model every property at building-block resolution — combining physics simulation, satellite imagery, and field inspection — then translate that into coverage you can actually buy.
02
Engineer the protection
We work with you to identify the highest-leverage mitigations — from defensible space to ember-resistant vents — and quantify the risk reduction each one delivers.
03
Underwrite the coverage
A-rated carrier policies tailored to high-value properties our competitors won't touch — because we can prove the risk is insurable.
The Perils
One model, five major perils.
Each peril carries its own physics. Stand resolves all five at the property scale — fire, wind, hail, water, and ground motion.
01 · Wildfire
Fire
Embers cross terrain, ignite vegetation, and find structures. The model traces every step from spark to siding.
02 · Cyclone
Hurricane
Wind, surge, and inland precipitation arrive on different timescales. The model handles each.
03 · Severe Storm
SCS
Hail and tornado paths concentrate damage. The model resolves them at parcel scale.
04 · Inundation
Flood
Water finds the lowest point — and the weakest joint. The model simulates both.
05 · Seismic
Earthquake
Ground motion, liquefaction, and structure response — coupled in one solve.
Our Approach
Insurance, redesigned around the structure.
Physics-based modeling
We simulate wildfire, wind, and water at the property scale — sub-meter resolution where it matters.
Field-verified data
Every policy is backed by a property assessment that captures the real-world details models can miss.
Resilience as a product
Coverage is one half of the answer. The other is helping you make the property less vulnerable in the first place.
Announcing · May 2026
The Stand World Model.
A frontier model for the physical world. Read how we built it.
Explore Frontier →