The problem
Homeowners in disaster zones get dropped or priced out by zip-code models, even after hardening their homes
What they do
Physics-modeled homeowners insurance for wildfire-exposed California and hurricane-exposed Florida homes, sold via brokers
Traction Insured value $1B → $10B+ in 12 months; ~15% monthly growth (company-reported)
Hiring trend
- Open roles
- 13
- Ops roles
- 2
- Headcount
- ~50-80
Headcount ~45 → ~81 in 12 mo (LinkedIn est., ~+75%); company says ~50 staff; 10 open roles
Hiring in
- San Francisco
- Austin
- Remote
Latest news
Oct 2026
Raised $70M Series C at $1B valuation led by Saga Ventures; new President and CFO ↗Glassdoor
4.5 ★ 6 reviews ↗Funding
- Last round
- $70M
- Stage
- Series C
- Date
- Oct 2026
Led by Saga Ventures
- Hiring+1.513 open roles on the live job board (10–29 roles = +1.5)
- Funding recency+1.5Series C · $70M, Oct 2026 (this month): 6 months or less = +1.5
- Traction+1.5Strong growth: Insured value $1B → $10B+ in 12 months; ~15% monthly growth (company-reported)
- Red flags0None found in the last 24 months
- Total4.51.5 + 1.5 + 1.5 − 0 = 4.5 → Race (4.25–4.74)
Distance (10K) is a separate read on how long the lead can last. It doesn't change the score.
Distance
10K · edge: learns from use
Fast-rising challenger whose physics World Model is a real data edge, but it trails Delos in California wildfire ($10B vs ~$40B insured value), is a newcomer in Florida (~1,000 Citizens takeouts by June 2026), and its loss ratio is untested through a full catastrophe season on fronted Concert Specialty paper.
Sources: PR Newswire: Stand $70M Series C at $1B; insured value $1B → $10B (Oct 2026) ↗ · Insurance Business: Delos manages $40B in total insured value (Nov 2024) ↗ · Insurance Journal: Stand Florida launch, ~1,000 Citizens takeouts so far (Jun 2026) ↗ · Fortune: CEO says ~15% monthly growth; model backtest is company's own (Oct 2026) ↗
Last checked Oct 25, 2026