Five futures.
One property.
Real numbers.
Climate Remit scores any residential or commercial property against the IPCC AR6 Shared Socioeconomic Pathways — the same scenario families central banks use for climate stress testing — instead of a single house-view forecast tied to one country's weather bureau.
A single forecast is a guess. A scenario spread is a risk position.
Physical climate risk is now a pricing input for insurers, lenders and valuers — not a footnote. Most residential tools still quote one projected future. Climate Remit reports the full range a property could face, so the number changes with the world, not with the vendor.
Every report runs the property against all five AR6 SSP families, not a single "most likely" case.
Hazard exposure is modelled at 2030, 2050 and 2100, matching typical mortgage, insurance and hold-period terms.
Built on the CMIP6 model ensemble, so a report on a house in Perth and one in Phoenix use the same scientific frame.
Two ways to use the same science.
Single-property reports for people making a decision on one home. Portfolio analytics for institutions making decisions on thousands.
Single Property Pathway Report
For homeowners, buyers, sellers and renovators who want to know how one specific address holds up across the AR6 scenario range before they buy, sell, insure or renovate.
- Pathway Resilience Rating — 0–100 across all five SSPs
- Climate-adjusted value impact — modelled value drag by scenario and horizon
- Technical insurance premium equivalent — expected annual loss, priced
- Adaptation pathway — ranked interventions by cost-to-risk-reduction
Portfolio Pathway Analytics
For lenders, insurers, valuers, developers and asset managers who need scenario-consistent, audit-ready climate risk data across a book of properties, not one at a time.
- Bulk scenario scoring — API or batch upload, thousands of addresses
- TCFD / ISSB-aligned outputs — physical risk disclosure ready
- Concentration mapping — hazard and pathway exposure by geography
- Stress-test integration — SSP-aligned inputs for internal capital models
Built on the IPCC's own scenario families.
The Shared Socioeconomic Pathways describe five distinct worlds — different population, policy and emissions trajectories — that the IPCC's Sixth Assessment Report uses to bound future warming. Climate Remit downscales each one from the CMIP6 model ensemble to hazard exposure at a single street address.
From global model to site address
Each report draws on the CMIP6 multi-model ensemble underlying AR6, combined with local elevation, hydrology, land cover, soil and construction data. The result is a hazard exposure curve per SSP per hazard — not a single averaged number — for the exact coordinates of the property.
Why five futures instead of one
A mortgage, an insurance policy and a renovation each carry a different time horizon and a different tolerance for surprise. Reporting the full SSP spread lets a buyer, lender or insurer choose which world they're underwriting against, rather than inheriting a single house assumption.
Eight hazards, one consistent scenario frame.
Riverine & flash flood
Catchment precipitation exceeding channel capacity, inundating nearby land.
Coastal inundation
Sea-level rise and tidal flooding, modelled separately from storm surge.
Wildfire & bushfire
Fire weather and fuel-load risk to structures at the urban-bush interface.
Extreme heat
Frequency and duration of heat events that exceed building design thresholds.
Extreme wind & storm
Wind loading beyond structural design, including tropical cyclone exposure.
Soil subsidence
Clay-soil contraction and expansion affecting foundations over time.
Water stress
Long-run drought and supply reliability for the property's water source.
Grid & energy resilience
Exposure of local energy infrastructure to compounding climate hazards.
What you actually get.
Illustrative figures for a sample coastal property, shown at the 2050 horizon under SSP2-4.5 (Middle of the Road) and SSP5-8.5 (Fossil-fuelled Development), the mid and upper AR6 scenarios.
Bought, sold and underwritten with a Pathway Report on the table.
"We used the SSP5-8.5 number, not the average, when we negotiated price. It gave us a floor to argue from."
"Our credit committee wanted scenario consistency across the book, not a single blended score. This is the first tool that gave us that."
"Being able to say a report is AR6-anchored, not just 'AI-powered,' mattered to our reinsurers."
Get your property's pathway report.
Single-property reports from US$79. Portfolio pricing on request.