Understand climate risk at the property level.
Measure current and future exposure to wildfire, river flood, surface flood, coastal flood, severe wind and extreme heat for one property or an entire portfolio.
Geospatial evidence — hazard exposure mapped to individual property footprints.
Six hazards, modelled for every address.
Wildfire
Exposure from fuel, slope, proximity and historic fire behaviour.
River & surface flood
Fluvial and pluvial exposure modelled at the property footprint.
Coastal flood
Storm surge and sea-level exposure for coastal properties.
Severe wind
Wind speed return periods and structural vulnerability.
Extreme heat
Heat-day frequency and indoor overheating potential.
Compound risk
Where multiple hazards intersect on the same property.
From one property to an entire portfolio.
Annual probabilities
The modelled likelihood of each hazard affecting the property in a given year.
Return-period intensity
Hazard intensity at standard return periods so exposure can be compared consistently.
Future climate scenarios
Forward-looking exposure under recognized emissions and warming scenarios.
Portfolio accumulation
Aggregated exposure across a book of properties, by hazard and geography.
Model confidence
Confidence indicators and documented limitations alongside every score.
Mitigation opportunities
The property-level improvements that measurably reduce exposure.
HorizonIQ supports regulatory and disclosure work, including climate scenario analysis and financed-emissions reporting. Model confidence, sample coverage and limitations are documented alongside every output.
Choose the view that fits your portfolio.
HorizonIQ for Banks
Collateral screening, climate scenario analysis and disclosure support across a mortgage portfolio.
HorizonIQ for Insurers
Risk selection, pricing, accumulation and policyholder mitigation at the property level.
HorizonIQ for Governments
Community resilience planning, equity-aware prioritization and public reporting.