Geosapiens

Extreme Climate Perils

Find the climate-risk blind spots across your book. Flood, wildfire, and hail don't tell the whole story. Screen nine additional extreme climate perils to surface higher-hazard locations and see where exposure is building across the portfolio.

Nine extreme climate perils

Broaden the climate screen beyond the headline perils.

Bring overlooked climate exposures into the risk picture and give your team a broader view of how climate risk can affect a location and where exposure can build up across your portfolio.

Extreme Temperature

Extreme Heat

Identify locations exposed to exceptionally high temperatures that can affect infrastructure, operations, energy demand, and public health.

Extreme Temperature

Heatwave

Evaluate the risk of prolonged periods of extreme heat, providing insight into cumulative impacts on assets, people, and operations.

Extreme Temperature

Extreme Cold

Assess exposure to severe cold conditions that can damage infrastructure, disrupt operations, and increase energy demand.

Extreme Temperature

Cold Wave

Measure the risk of extended cold spells that can create sustained stress on buildings, utilities, transportation networks, and communities.

Rainfall, Moisture & Snow

Drought

Understand susceptibility to prolonged dry conditions that can impact water resources, agriculture, ecosystems, and wildfire risk.

Rainfall, Moisture & Snow

Extreme Precipitation

Identify locations exposed to intense rainfall events that can contribute to flooding, infrastructure stress, and operational disruption.

Rainfall, Moisture & Snow

Extreme Snow

Assess exposure to heavy snow conditions that can increase snow-load risks, disrupt transportation, and impact property resilience.

Wind & Cyclone

Extreme Wind

Assess exposure to damaging wind conditions from multiple storm types, helping identify locations vulnerable to wind-related losses and disruption.

Wind & Cyclone

Cyclone

Measure exposure to hurricane and typhoon wind hazards, supporting the assessment of coastal and storm-prone regions.

Standardized hazard screening

Screen more climate risk without adding more complexity.

Each peril model is built from its own climate data and methodology, then translated into the same 1–10 hazard scale so your team gets science-backed risk signals that are easy to read across properties and portfolios.

The science behind the models

Give your team a risk view they can test and defend.

When a score leads to an underwriting referral, a pricing change, or a shift in portfolio appetite, the reasoning shouldn't disappear into a black box. Trace the result back to the methodology, assumptions, and evidence behind it.

Methodology you can review.

Understand the model logic, assumptions, coverage, and outputs behind the scores.

Validation you can work through.

Test sample locations or portfolio subsets and compare the results against your existing models and risk view.

Experts you can rely on.

Get direct support to interpret outputs, investigate edge cases, and understand model updates.

Insurance decisions

Know when climate perils should change how the risk is written, priced, or managed.

Use the nine hazard scores to flag properties that need a different underwriting path, test whether existing segments are masking meaningful differences in exposure, and see where hazards are clustering across your book.

Underwriting

Catch higher-risk properties before bind or renewal.

See when an extreme climate signal changes the picture enough to warrant referral, additional review, or different terms for a specific location.

Pricing & Actuarial

Separate risks that shouldn't be treated the same.

Use the hazard scores alongside exposure and loss data to see where existing segments group together locations with materially different climate conditions, and where pricing assumptions may need another look.

Portfolio Risk

See where exposure is starting to stack up.

Apply the scores across your book to find clusters of elevated hazard by peril and geography, so you can see where concentrations may affect appetite, capacity, or accumulation management.

Access & delivery methods

Get climate risk intelligence wherever your decisions happen.

Some teams need a map-based view. Some need data. Some need scores inside quoting, renewal, or underwriting workflows. Use the same risk intelligence in the way your teams already work.

Portal

Review the risk visually.

Use the portal to explore properties, compare risk layers, and create a shared view of exposure for underwriting, risk, and leadership conversations.

API

Embed risk insights inside your workflows.

Bring Geosapiens' standardized scores into third-party platforms or internal tools, so the risk signal appears right where the decision is made.

Data

Bring data outputs into your own analysis.

Give actuarial, catastrophe modelling, BI, and portfolio teams data outputs they can test, compare, and use inside your internal models, dashboards, and risk workflows.

See what extreme climate perils reveal in your own book.

Bring a sample of locations or a portfolio slice and see which properties stand out, which extreme climate perils are driving the risk, and where exposure is clustering across the portfolio.