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 0–100 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.
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 0–100 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.