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

19.8/100 emerging ▬ flat Agent 3/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessPaid

1 APIs

Company Insurance Insurtech Risk Wildfire Property Catastrophe Analytics Machine-Learning Underwriting

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 19.8/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.6 / 17

Access Clarity 7.2 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 6.5 / 9

Regulatory Posture 3.6 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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

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)

aid: risklytics
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  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: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Insurance
- Insurtech
- Risk
- Wildfire
- Property
- Catastrophe
- Analytics
- Machine-Learning
- Underwriting
tags_raw:
- 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

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/risklytics"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/risklytics/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/risklytics/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.