Frontier · May 2026

The Stand World Model.

A frontier model for the physical world.
Fire· Hurricane· SCS· Flood· Earthquake
See the model
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§ 01 Architecture

A frontier model for the built environment.

A property-level digital twin, driven by real-world physics.
Actual Stand model
Simulated / Twin
0%
01 · Physical
Property-level physics.
Real lot geometry, vegetation, topography, and building detail — computed instead of approximated.
02 · Temporal
Consistent over time.
The model captures physical, sequenced cascades, like fire spreading a landscape.
03 · General
Built for every major peril.
Fire, hurricane, severe convective storm, flood, earthquake — one physics-native architecture that compounds with each new peril.
§ 02 Perils

One model, five major perils.

Each peril carries its own physics. The world model resolves all five — at parcel scale, on one architecture.
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.

§ 03 The Model

World models predict what happens next.

Fire spread
Simulation output Fire spread on a real parcel.

Terrain, vegetation, and structure detail over time.

Thermal view
Thermal output The same event as heat flux.

Exposure concentrates across terrain and structure.

A world model predicts the next state of an environment. It renders behavior, exposure, and survivability from one physical system.

Ours predicts how fire moves from this tree to that house — and what heat does when it gets there.

§ 04 Validation

Validation from the Palisades and beyond.

Property-level details changed the outcome.
Palisades Fire · 18 homes

Stand matched actual outcomes nearly 2x as often.

Location-only models marked every Palisades home as a total loss. Several survived because of property-level characteristics the Stand model can see.

Loss Safe Burn perimeter
Palisades sample · de-identified properties · January 2025
§ 05 The Platform

The model powers Stand's underwriting.

Properties are priced using the world model, and homeowners can see how each action changes their premium.
Stand internal property risk placement platform showing a property overview, map, and underwriting summary
Price today
Current risk

The home as it stands now.

Price after mitigation
Fully mitigated risk

The value of completing the protection plan.

01 · Intake
Enter a property.
Stand assembles property, exposure, and underwriting context in one place.
02 · Physics
Run the world model.
The platform prices today's home, then reruns the scenario with mitigation reflected in the model.
03 · Action
Price the path to resilience.
Brokers and homeowners see how specific changes move risk.
§ 06 The Stakes
$0
Modeled catastrophe loss · 2026 year-to-date estimate

One billion-dollar disaster
every 10 days.

Wildfire Hurricane Severe Convective Storm Flood Earthquake
We have the materials, engineering, and capital to withstand them. We need a system to direct them.
§ 07 Who it serves

The same model serves everyone in the path of physical risk.

§ 01 · The Owner

Owners

Their largest asset is priced by formulas that can't see its physics. The world model prices it for what it is — and what mitigation makes it.

§ 02 · The Intermediary

Brokers

They carry the call when price spikes or coverage disappears. The world model gives them defensible pricing and a mitigation path to offer.

§ 03 · The Transaction

Realtors

Insurability now decides whether deals close. The world model shows buyers how a property prices today — and what makes it more insurable.

§ 04 · The Innovator

Innovators

Mitigation products have struggled to prove their dollar value. The world model translates physical change into priced outcomes — closing the loop on innovation.

§ 05 · The Builder

Developers

Site and material decisions land years before the next event tests them. The world model shows what those choices are worth — to insurers, buyers, and the building.

§ 06 · The Backstop

Government

They write the code, fund recovery, and absorb what the market can't. The world model shows where mitigation dollars buy the most safety.

Re-pricing risk is not enough. We have to reduce it — systematically.
§ 08 Protecting our world

A resilient built world, measured and fortified.

Mitigation model → illustrative economics
Overall risk · 72%
Indicative premium · $12,480/yr
Model rerun
Risk reduced 0%
Premium updated

Mitigation receipt

Illustrative pricing response · not production model
Trees near home
Risk −22% · premium −$1,980
Remove
Bark mulch → gravel
Risk −15% · premium −$1,350
Replace
Fence replacement
Risk −18% · premium −$1,620
Replace
Premium receipt
Original indicated premium $12,480
No example mitigations applied
Updated premium $12,480
Every $1 spent on resilience can save $13.
The model shows where to spend it.
Stand shows exactly where to act before loss occurs — and captures the value of getting it right.
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