Hyper-local physical risk data at 25-metre resolution — covering flood, storm, hail, wildfire, earthquake and 8 more hazards — for any asset, anywhere across 182 countries.
25m × 25m resolution — street-level precision for every query
Methodology
We combine global climate models, regional downscaling with WRF, and proprietary hazard algorithms to deliver location-specific scores via a simple REST API.
We process IPCC, CMIP6, ERA5, and CORDEX datasets at their native resolution — ingesting over 200TB of raw climate model output across SSP1-2.6, SSP2-4.5, and SSP5-8.5 scenarios.
Using 6,200 CPU cores, we run WRF (Weather Research & Forecasting) to dynamically downscale from 10km global resolution to 1km — then apply proprietary hazard disaggregation to reach 25-metre precision.
Any coordinate pair, postcode, or portfolio of assets is scored in real time. Results arrive as standardised JSON with composite scores, hazard breakdowns, and future projections under each scenario.
Coverage
Each hazard layer is independently calibrated against observed damage data and IPCC AR6 projections. All layers feed into a single composite UrClimate Score.
Why UrClimate Score
Most climate risk products rely on 10–25km resolution grids or postcode proxies. We don't.
At 25 metres, two buildings on opposite sides of a flood berm receive genuinely different scores. This matters for underwriting, loan-level modelling, and asset due diligence where coarse proxies obscure real exposure.
Every score is available across SSP1-2.6 (low emissions), SSP2-4.5 (central) and SSP5-8.5 (high emissions) for 2030, 2050, and 2080 — giving analysts the scenario spread needed for TCFD, IFRS S2, and EU Taxonomy disclosures.
A single API call can return scores for millions of coordinates in batch mode. Our clients run nightly portfolio refreshes processing hundreds of thousands of assets without custom data pipelines.
Backed by ITU (Istanbul Technical University) academics and international climate scientists. Our hazard layers are validated against ESHM20, GEM, EFEHR, ECMWF, Copernicus, and 46+ years of ERA5 reanalysis.
Trusted By
UrClimate Score is actively used in underwriting, actuarial modelling, and risk engineering workflows at major insurance groups across Turkey and beyond.
Production Clients
Full Turkey coverage. Used daily by underwriters, actuaries, and risk engineers for location-based 1–100 scoring, regional heatmaps, and temporal trend reports.
Proof-of-Concept Partners
Interactive heatmaps at country, province, and district level. Temporal change reports showing how hazard exposure has shifted over time for any region.
Coordinate-level 1–100 composite score per hazard, delivered via API in real time. Instant integration into pricing models at the point of policy acceptance.
Location-specific hazard scores enriched with SSP2 and SSP5 projections for 2030, 2050, and 2100. Supports forward-looking loss modelling and Solvency II climate stress tests.
Client names shared with permission. Additional reference clients available on request under NDA.
Product Roadmap
UrClimate Score is a live, production product with a clear development path toward full financial quantification and pan-European coverage.
Use Cases
Designed for risk professionals who need asset-level precision — not portfolio-level approximations.
Price individual risks accurately, tighten underwriting appetites, and quantify portfolio-level CAT exposure under future climate scenarios.
Embed climate risk into credit underwriting, assess mortgage portfolio exposure, and produce TCFD-aligned transition and physical risk disclosures.
Score real estate, infrastructure, and renewable energy portfolios for physical risk. Support ESG reporting and climate due diligence for acquisitions.
Request a demo, run a sample query on your own assets, or discuss integration with our team. We typically respond within 24 hours.