Climate risk data

Climate risk data estimates how exposed physical assets are to hazards such as river and coastal flooding, extreme heat, wildfire, drought, tropical cyclones and windstorms, both today and under future climate scenarios. Insurers, banks, asset managers, real estate investors and corporate risk teams use it for underwriting, portfolio stress tests, site selection and climate-related disclosures.

Typical fields

• Asset identifier, address or coordinates
• Hazard type with return period or annual probability
• Hazard intensity, such as flood depth or days above a heat threshold
• Risk or exposure score and the scale it uses
• Scenario (for example an IPCC SSP or RCP pathway) and time horizon
• Model version and an uncertainty band

Sources and methods

Providers combine hazard models with downscaled climate projections. Flood models use terrain data, hydrology and flood defence information. Wildfire models use vegetation, fuel and weather, and heat metrics come from downscaled temperature projections. Outputs are usually computed on a grid and then joined to asset locations. Some providers add vulnerability curves that convert hazard intensity into expected damage or financial loss.

Delivery and pricing

Scores are typically delivered by API for address lookups or as bulk files for whole portfolios. Pricing is usually an annual licence based on the number of assets, hazards and scenarios, with higher tiers for financial loss metrics.

Before you buy

• Ask which hazards are modelled and which are excluded.
• Check spatial resolution, especially for flood, where a few metres of elevation matter.
• Request methodology and validation against historical events.
• Confirm which scenarios and time horizons are covered.
• Ask how scores change between model versions.