# Risklytics

**Canonical:** https://apis.io/providers/risklytics/  
**Website:** https://www.risklytics.ai/  
**APIs profiled:** 1

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.

## Kin Score — 24.3 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 24.3).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 28.3 |
| Commercial Clarity | 55.3 |

Regulatory layer — **Insurance**: 24.2 (matched via tags).

## Agent readiness — 9.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (1)

- **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...

## Security (2)

- **Risklytics Authentication** — apiKey · 1 scheme
- **Risklytics Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Risklytics Plans Pricing**

## Tags

Company, Insurance, InsurTech, Risk, Wildfire, Property, Catastrophe, Analytics, Machine Learning, Underwriting

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/risklytics/). Scores are computed from the provider's own public artifacts under a published rubric.