Physical Climate Risk for Every Property in Your Portfolio
Asset-level Climate Value-at-Risk translating ten hazards into Expected Annual Loss, property by property.
Floodlight REST gives real estate owners, lenders, and investors an asset-level physical-risk engine: ten climate hazards translated into a single audit-ready financial number per property - Expected Annual Loss, percentile Value-at-Risk, and a Climate-Adjusted Asset Value.
The Portfolio Blind Spot
Property-level climate exposure is usually invisible until a loss event forces the question.
No Asset-Level Visibility
Portfolio and collateral reviews typically rely on regional hazard maps, not property-specific exposure that accounts for construction, elevation, and adaptation measures already in place.
Disconnected From Valuation
Physical climate risk rarely feeds into underwriting or valuation models, leaving lenders and investors unable to price climate-adjusted asset value.
Fragmented Hazard Data
Flood, wildfire, heat, and wind risk typically come from different vendors with incompatible methodologies, making portfolio-level roll-up unreliable.
One Number, Per Property, Per Hazard
Grounded in published damage curves and satellite observation, not black-box scoring.
Ten-Hazard Coverage
Coastal surge, riverine flood, seismic, wildfire, wind, heat, cold, drought, snow, and ice - every hazard with its own probability mapper and damage function.
EAL, VaR & Climate-Adjusted Value
Expected Annual Loss for reserve setting, percentile VaR at 95/99/99.9% for tail exposure, and a Climate-Adjusted Asset Value for underwriting and disposition decisions.
Portfolio Roll-Up
Aggregate asset-level exposure to portfolio, fund, or loan-book level with diversification-adjusted totals.
Continuous Monitoring
SIREN hazard alerts flag emerging exposure for assets already in the portfolio, not just at acquisition or origination.
Built for Your Team.
Designed for the people who drive climate strategy and compliance.
Acquisition & Disposition
Asset & Portfolio Managers
Underwrite physical risk into acquisition, hold, and disposition decisions with an asset-level number.
Collateral Risk
Lenders & Credit Officers
Assess climate exposure on collateral for origination and ongoing portfolio surveillance.
Disclosure & Reporting
ESG & Sustainability Leads
Report physical risk exposure for TCFD, CSRD, and investor ESG requirements from one consistent source.
Aligned with Leading Frameworks.
Our data and reporting tools help you meet the requirements of major disclosure frameworks.
TCFD
Task Force on Climate-related Financial Disclosures
GRESB
Global Real Estate Sustainability Benchmark
CRE Finance Council
CRE Finance Council climate risk guidance
Powered by Floodlight’s Platform.
Our integrated modules work in harmony to deliver comprehensive climate intelligence.
REST
Asset-level Climate VaR: Expected Annual Loss, percentile VaR, Climate-Adjusted Asset Value.
Learn moreSee the climate exposure on your properties.
Get a sample Climate VaR assessment for a property or a portfolio.