Risklytics

Risklytics is an AI-native property and catastrophe risk company (Y Combinator Summer 2026, based in San Francisco, founded 2026 by Samuel Gold and Alexander Risio). It builds hyper-localized disaster risk models that simulate specific natural hazards - wildfire, flood, wind, earthquake, and debris runout - against individual home structures rather than ZIP-code averages, creating a per-structure digital twin from building footprints, lidar, and public records. Its Ember API returns property risk scores, modeled annual loss estimates, and retrofit-impact modeling used for insurance risk selection and portfolio triage (currently California-only, production model ember-1.3.0-firewall). The company also operates the FireCast platform and an AI-native brokerage for hard-to-place commercial insurance. API access is via a personal API key issued through the platform dashboard; there is no public OpenAPI, developer portal, or blog published to date, so this profile captures the company identity, the documented Ember API plans and authentication model, and the security posture of its web surface.

Risklytics publishes 1 API on the APIs.io network. Tagged areas include Company, Insurance, InsurTech, Risk, and Wildfire.

Risklytics’ developer surface includes developer portal, documentation, pricing, authentication, and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub
27.3/100 emerging ▬ flat Agent 10/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessPaidSelf serve
1 APIs
CompanyInsuranceInsurTechRiskWildfirePropertyCatastropheAnalyticsMachine LearningUnderwriting

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 27.3/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 5.7 / 20
Commercial Clarity 11.1 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 10/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/risklytics: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Ember API

The Ember API returns per-structure property risk scores, modeled expected annual loss, and retrofit-impact evaluation for individual homes, driven by physics-based hazard simul...

Pricing Plans 1

Published pricing tiers and plan structures.

Risklytics Plans Pricing

2 plans

PLANS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Risklytics Authentication

apiKey · 1 scheme

SECURITY

Risklytics Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Portal
Portal
 Login
Login

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 Plans
Plans

Company 1

The organization behind the API

Website
Website

Other 1

Properties that don't map to a standard resource type

Methodology
Methodology

Source (apis.yml)

apis.yml Raw ↑ 
aid: risklytics
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/risklytics.png
name: Risklytics
description: Risklytics is an AI-native property and catastrophe risk company (Y Combinator Summer 2026, based in San Francisco,
  founded 2026 by Samuel Gold and Alexander Risio). It builds hyper-localized disaster risk models that simulate specific
  natural hazards - wildfire, flood, wind, earthquake, and debris runout - against individual home structures rather than
  ZIP-code averages, creating a per-structure digital twin from building footprints, lidar, and public records. Its Ember
  API returns property risk scores, modeled annual loss estimates, and retrofit-impact modeling used for insurance risk selection
  and portfolio triage (currently California-only, production model ember-1.3.0-firewall). The company also operates the FireCast
  platform and an AI-native brokerage for hard-to-place commercial insurance. API access is via a personal API key issued
  through the platform dashboard; there is no public OpenAPI, developer portal, or blog published to date, so this profile
  captures the company identity, the documented Ember API plans and authentication model, and the security posture of its
  web surface.
url: https://raw.githubusercontent.com/api-evangelist/risklytics/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- y-combinator
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Insurance
- InsurTech
- Risk
- Wildfire
- Property
- Catastrophe
- Analytics
- Machine Learning
- Underwriting
apis:
- aid: risklytics:risklytics-ember-api
  name: Ember API
  tags:
  - Risk
  - Wildfire
  - Property
  - Insurance
  humanURL: https://www.risklytics.ai/pricing
  baseURL: https://api.risklytics.ai
  properties:
  - type: Documentation
    url: https://www.risklytics.ai/docs
  - type: Authentication
    url: authentication/risklytics-authentication.yml
  description: The Ember API returns per-structure property risk scores, modeled expected annual loss, and retrofit-impact
    evaluation for individual homes, driven by physics-based hazard simulation and a learned surrogate (production model ember-1.3.0-firewall).
    Authenticated with a personal API key; currently scoped to California properties. API request schemas and keys are issued
    through the signed-in platform dashboard.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/risklytics-domain-security.yml
- type: Website
  url: https://www.risklytics.ai/
- type: Portal
  url: https://platform.risklytics.ai/
- type: Documentation
  url: https://www.risklytics.ai/docs
- type: Login
  url: https://platform.risklytics.ai/
- type: Pricing
  url: https://www.risklytics.ai/pricing
- type: TermsOfService
  url: https://www.risklytics.ai/terms
- type: Methodology
  url: https://www.risklytics.ai/methodology
- type: Authentication
  url: authentication/risklytics-authentication.yml
- type: Plans
  url: plans/risklytics-plans-pricing.yml
- type: LLMsTxt
  url: llms/risklytics-llms.txt
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 4
  pass: local-v1