Meet Stanum.

We help you insure your homes and communities against natural disasters in a fair, stable, and dependable way.

We offer risk mitigation and risk resilience solutions that allow you to thrive in the face of climate threats

We combine collective strength, advanced risk management, and shared ownership to safeguard what matters most.

Our mission is to create a safer, more resilient future for homeowners by redefining insurance protection against natural disasters

Our vision is to create a members-owned insurance union that empowers its community to grow stronger together by harnessing innovation, collaboration, and trust.

Protect

What Matters

Meet Stanum.

Traditional insurance is failing people and leaving millions of homeowners inadequately protected.

1 Million +
Are in Climate-impact Zones
95% +
Of homes in these zones are un-insurable
40 +
of cities meet our coverage profiles

Reliability Redefined

This unendurability epidemic stems from a complex interplay within the traditional insurance ecosystem involving rising nat cat loss costs, cat risk quantification, rate & regulatory environment, cost to rebuild, cost of reinsurance, government involvement, fraud and litigation environment, and third party capital availability.

Florida Case Study

AI-First Prediction Modeling

Many Florida homeowners cannot get suitable hurricane coverage despite being a better-than-average risk by living in a well-maintained and disaster-resilient homeowners association.

Car charging at EV hub in industrial setting.
California Case Study

Homeowners are at risk

State Farm, Allstate, The Hartford and many smaller carriers have announced that they will be non renewing homeowners’ policies in California. A similar situation exists in Florida.

We help you find a self-insurance solution. Contact us for more information.

HOA Boards

Increased affordability and availability of coverage
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Property Managers

Long-term stable, reliable coverage
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PE Partners

Empowers communities to mitigate risk and move toward resiliency
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Stay informed with our climate science and research

info@stanumgroup.com