Stand is a San Francisco-based startup applying physics simulation and artificial intelligence to the problem of climate-related property risk. The company's approach begins with wildfire coverage in California and is expanding to address hurricane risk in Florida.
At the core of its technology is the Stand World Model, a frontier AI system designed to simulate how catastrophic events interact with structures. It operates at portfolio scale, modeling individual properties at building-block resolution to compute risk. The technical work spans physics simulation, AI, satellite imagery analysis, and deterministic catastrophe modeling.
Stand offers mitigation-first insurance coverage for wildfire and hurricane risk. Rather than pricing risk alone, the company partners with homeowners to identify and reward resilience efforts - such as establishing defensible space or installing ember-resistant vents - by factoring those measures into coverage terms. This model is designed to change outcomes, not just prices.
