ClimateAhead turns flooding, heat, storms and six other physical hazards into a pound figure for each of your buildings, using the loss-modelling methods the insurance industry runs on. Priced to sweep a whole portfolio, and clear enough to act on today.
We turn each hazard into an expected annual loss for the building (also called average annual loss: the average yearly cost once you spread rare, severe events out over time), showing what it is likely to cost today and how that climbs as the climate shifts. It runs on depth-damage loss methods from insurance and catastrophe modelling (curves that convert how deep the water gets, or how hard the wind blows, into the share of a building's value lost), built on published functions from the JRC (the EU's Joint Research Centre) and the Environment Agency, and priced against each asset's rebuild cost.
So instead of a colour or a score, you get a number your finance team already knows how to use.
Flooding drives most of the exposure, and it roughly doubles by the 2050s.
Illustrative sample, top contributors shown. Your report values all nine perils for every building, out to 2100.
We price nine physical hazards for each building, then roll them into one expected annual loss. Water hazards read teal, heat-driven hazards amber, and wind, snow and cold grey.
Subsidence is clay soils shrinking and swelling as droughts deepen, the peril behind most cracked-wall claims in the drier UK regions.
Every output is built to drive a decision, with the loss figure and the confidence behind it in plain view.
Set premiums, terms and lending decisions against real exposure, per asset and per peril, not a postcode average.
See which sites carry the most avoidable loss, so money spent on adaptation lands where it pays back fastest.
Fold the climate cost into acquisitions, valuations and hold-versus-sell calls before it shows up on the balance sheet.
Drop the figures straight into your sustainability and climate-risk disclosures, with the source behind every one.
Physical climate risk should be a commodity, not a bespoke project. We built ClimateAhead so a low fixed fee per building lets you run your whole portfolio, as often as you need. The cost of checking should never be the reason you did not.
We use the sharpest local hazard data each nation publishes, and fall back to national models where it stops, always labelled.
Climate projections come from NASA NEX-GDDP-CMIP6 (NASA's global climate-model runs, downscaled to a fine grid) across every nation, aligned to the local baseline. Wind uses the Global Wind Atlas (an open global wind-resource dataset) throughout.
Flood sources, in plain terms: EA NaFRA2 is the Environment Agency's National Flood Risk Assessment for England; HadUK is the Met Office's gridded record of UK weather; JRC GloFAS is the EU Joint Research Centre's Global Flood Awareness System. Scenarios run across four pathways, from SSP1–2.6 to SSP5–8.5, the standard set of future-emissions pathways, from a low path to a high-emissions one.
The same quantified outputs, structured for the standards your auditors and regulators work to.
The EU's Corporate Sustainability Reporting Directive and its climate standard, ESRS E1. Physical-risk exposure and its financial materiality across acute and chronic hazards, scenarios and horizons.
The Task Force on Climate-related Financial Disclosures, now carried into the IFRS S2 accounting standard. Governance-ready scenario analysis across SSP pathways (the standard future-emissions scenarios) and time horizons, with every assumption stated.
The EU's classification of environmentally sustainable activities. The climate-adaptation "do no significant harm" (DNSH) screening table, generated per asset against the Taxonomy criteria.
Every figure carries its source and resolution, so an auditor or model-risk reviewer can follow it back to the data.
Global tools average the whole country. We go building-by-building on UK & Ireland data, on the same modelling engine behind the ClimateAhead consumer report, built by Good Risk Group, a UK risk specialist.
A short walkthrough with the team, or a sample report priced for one of your sites.