Physical climate & catastrophe risk platform
UrClimate Score measures the climate and natural-catastrophe risk of any address or coordinate with science-driven models, and translates it into the financial risk metrics insurers and financial institutions can use directly. In short: it doesn’t just tell you the risk of a location; it tells you what that risk is worth.
Three blind spots it closes
The problem
Climate and catastrophe risk is intensely local; even two buildings on the same street can carry very different risk. Traditional approaches often miss both this granularity and the financial meaning of the risk.
With UrClimate Score
- Location precision: real risk at the coordinate level, not region or postcode.
- Multi-hazard coverage: a complete hazard profile, not a single peril.
- Financial translation: a monetary expected-loss figure, not an abstract score.
What it offers
Multi-hazard risk scoring
Earthquake, flood, landslide, wildfire, drought, hail, storm, lightning, snow load and more: a 1–100 score and map layer per hazard.
Financial risk translation
Industry-standard metrics, especially for earthquake: AAL (Average Annual Loss), PML at multiple return periods, damage distribution and plain-language reports.
Forward-looking projections
Long-term risk under climate-change scenarios: extreme heat, drought, extreme rainfall, wind, sea-level rise and more.
Critical-infrastructure context
Critical-infrastructure layers such as the electricity transmission grid, overlaid on the hazard maps (new).
Broad geographic coverage
182 countries, with the deepest dataset across Türkiye and the surrounding region.
Decision-ready reports
Executive-summary and detailed, downloadable PDF outputs.
Coverage tiers, hazard layers and resolution
UrClimate Score delivers location-level hazard layers in four coverage tiers. Every layer is available by API or as GeoTIFF rasters for your own GIS, and each tier is computed on one data foundation, so every layer in a portfolio shares the same spatial reference.
| Türkiye (full stack) | Meteorological hazard scores from 3 km to 1 km; topographic flood score 25 m (terrain, flow paths, land use); landslide score 100 m (slope, lithology, aspect, faults); earthquake score about 500 m (soil class, VS30, ground motion); wildfire composite at building level (forest interface); flood depth and annual average loss 30 m (six return periods, 5 to 250 years); earthquake AAL, PML and net loss as a separately licensed premium layer; future climate metrics at 10 km, multi-model. |
|---|---|
| UK, Germany, N. Cyprus (high-resolution) | Meteorological hazard scores from 3 km to 1 km; topographic flood score 25 m; future climate metrics on the global line. |
| 36 European markets (CERRA-based package) | Meteorological hazard scores at about 5.5 km; hazard trend as 5, 10 and 20-year score movement; future climate metrics on the global line; reference climate 2006-2025. |
| 182 countries (global screening) | Meteorological hazard scores at about 10 km; future climate metrics on the global line. |
The ten meteorological perils, each scored 1–100 and country-relative:
Who it’s for
Insurers
Policy pricing, underwriting, portfolio PML/accumulation, reinsurance structuring.
Banks
Mortgage & collateral valuation, lending decisions, climate stress testing.
Asset & real-estate investors
Due diligence and portfolio risk management.
Highlight: Earthquake Financial Risk module
How you use it
Interactive dashboard
Click any point on the map and instantly see all hazard scores, financial metrics and a downloadable PDF report.
API
Integrate into your own systems: send a latitude/longitude, receive the scores in real time.
Portfolio / area analysis
Aggregated results for a province, district, region or a drawn area.
Reports
Executive-summary and detailed PDF outputs for decision-makers.
Why UrClimate Score
- Real risk differentiation at the coordinate level
- A financial layer that turns scores into monetary loss
- A multi-hazard, holistic profile
- Forward-looking and climate-change aware
- Proven in production at scale with leading insurers and financial institutions
Get started
See what a location’s risk is worth
Contact us for a demo, pricing and integration.
Frequently asked questions
- What is catastrophe risk data (cat risk data)?
- Catastrophe risk data quantifies the likelihood and financial severity of natural hazards (earthquake, flood, wildfire, storm and others) at a specific location. Insurers, banks and asset owners use it to price risk, set limits, screen portfolios and report exposure. UrClimate Score provides it at coordinate level for 182 countries.
- Which hazards does UrClimate Score cover?
- Earthquake, flood, landslide, wildfire, drought, hail, storm, lightning and snow load, among others: each with its own 1–100 location score and map layer, so an asset receives a complete multi-hazard profile rather than a single-peril view.
- What are AAL and PML?
- Average Annual Loss (AAL) is the expected loss per year averaged over the long run, useful for pricing and provisioning. Probable Maximum Loss (PML) is the severe-but-plausible loss at a chosen return period, useful for limits, reinsurance and capital. UrClimate Score reports both at coordinate level.
- How is the data accessed?
- Through an interactive dashboard (click any point on the map to see all hazard scores, financial metrics and a downloadable PDF report) or through an API: send a latitude/longitude and receive the scores in real time for integration into underwriting, credit or portfolio systems.
- How is Alkazar different from global climate risk data providers?
- Two things: the same team also runs the physics (CFD and wind engineering), so hazard modelling is not a black box; and coverage is global (182 countries) while being deepest across Türkiye and the surrounding region, where global datasets are usually thinnest.