# UrbanStat

> Geospatial analytics and AI\-powered property underwriting for carriers worldwide

## At a glance

| Field | Value |
| --- | --- |
| Category | Underwriting & Risk |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | Chicago, Illinois |
| Founded | 2014 |
| Stage | Startup |
| Employees | 1-10 |
| Funding | Seed |

## Overview

UrbanStat is a property underwriting technology platform for insurance carriers, providing geospatial analytics and machine learning tools to improve risk selection and loss ratios. The company serves personal and commercial lines underwriters across North America, Europe, and Asia.

The platform delivers more than 20 modular solutions covering exposure management, risk selection, wildfire hazard mapping, and moratorium management. Data is accessed via API or direct system integrations, with implementations typically completed in approximately four weeks. The company analyzes property-level risk using 30 or more data attributes per location, combining geospatial datasets with AI/ML models.

UrbanStat was founded in 2013-2014, initially operating from Turkey before establishing a presence in the United States. The company has a seed-stage funding history and serves a global customer base that includes carriers in North America, the Middle East, Japan, and Europe, such as Safety Insurance, Sompo Japan, Gulf Insurance, and Vienna Insurance Group.

## Products & services

### Exposure Management

Portfolio-level analytics and reporting tools for tracking aggregate risk exposure across a carrier's book of business. Enables underwriting teams to monitor concentration risk and analyze portfolio composition.

**Key features:**

- Portfolio analytics and performance reporting
- Risk concentration tracking by geography and peril
- Book\-of\-business segmentation and trend analysis

*Target users:* Portfolio managers, chief underwriting officers, actuaries

### Risk Selection

Transaction-level risk assessment tools for individual property submissions. Automates underwriting decisions and pricing using geospatial data and machine learning scoring.

**Key features:**

- Automated underwriting scoring per property
- Pricing optimization based on risk attributes
- 30\+ data points analyzed per location

*Target users:* Property underwriters, underwriting teams

### Wildfire Hazard Mapping

Specialized wildfire risk analysis and hazard mapping for property underwriting. Helps carriers evaluate wildfire exposure and apply appropriate underwriting treatment to at-risk properties.

**Key features:**

- Property\-level wildfire hazard scores
- Geographic hazard zone mapping
- Integration with underwriting workflows

*Target users:* Personal lines and commercial property underwriters

### Moratorium Management

Tools for applying and managing underwriting moratoria based on geographic risk data and hazard profiles. Supports carriers in suspending new business in high-exposure areas during active events.

**Key features:**

- Geography\-based moratorium triggers
- Automated rule application for new submissions
- Reporting on affected areas and policy counts

*Target users:* Underwriting operations, compliance teams

## Category & focus

- Subcategories: Geospatial Risk Analytics, Property Underwriting Automation, Exposure Management, Wildfire Risk
- Insurance verticals: P&C Personal, P&C Commercial, Specialty/E&S
- Target customers: Carriers, MGAs/MGUs

## Notable customers

- Safety Insurance
- Sompo Japan
- Gulf Insurance
- Aksigorta
- Ageas
- Vienna Insurance Group
- Quick Insurance
- Corpus

## Links

- Website: <https://www.urbanstat.com>
- Directory profile: <https://insurtechlist.com/companies/urbanstat/>
- Contact: <https://www.urbanstat.com/contact>
- Linkedin: <https://www.linkedin.com/company/urban-stat/>
- Insights/blog: <https://www.urbanstat.com/insights/>

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*Last updated: 2026\-05\-18*