Platform Product
REST
Real Estate Sustainability Tracking with Asset-Level Intelligence
REST gives real estate managers, lenders, investors, and owners an asset-level physical-risk engine that translates ten climate hazards - coastal surge, riverine flooding, seismic, wildfire, wind, heat, cold, drought, snow, and ice - into a single audit-ready financial number per property: Expected Annual Loss, percentile Value-at-Risk at 95% / 99% / 99.9%, and a Climate-Adjusted Asset Value.
Key Features
An asset-level Climate Value-at-Risk engine grounded in published damage curves and satellite observation, not black-box scoring.
Ten-Hazard Coverage
Coastal storm surge, riverine flooding, seismic, wildfire, high wind, heat waves, cold anomaly, drought, intense snow, and ice storm - every hazard with its own probability mapper and damage function, aggregated into one financial result per asset.
EAL, VaR & CAV Outputs
Expected Annual Loss for insurance pricing and reserve setting, percentile Value-at-Risk at 95% / 99% / 99.9% for tail exposure, and a Climate-Adjusted Asset Value that prices in the present value of expected future losses.
Global Coverage
Any property address worldwide using satellite observations, public hazard datasets, and remote sensing - no portfolio is too distributed to underwrite.
Published Damage Curves
Depth-damage and fragility curves drawn from FEMA HAZUS-MH, USACE, IBHS, USFS, and GEM in preference to proprietary curves - the same baselines used by federal hazard engineering.
Transparent Math
Every financial number traces back to a physical intensity (flood depth, PGA, wind speed, flame length) through a closed-form equation that can be hand-checked - no black-box scoring.
Provenance-Tagged Confidence
Every per-hazard result ships with a provenance class (ACTUAL, HYBRID, MODELED, or ESTIMATED) and rolls up into a 1-10 data-quality score, so users never see a loss figure without a matching credibility stamp.
Recent-Events Adjustment
Probabilistic baselines are adjusted in near real time when authoritative records show a recent event near the asset - wildfire perimeter, earthquake epicenter, hurricane track, federal disaster declaration. An evidence gate blocks any upward adjustment that is not backed by a concrete, sourced record.
Authoritative Disaster Registry
Direct ingest of FEMA OpenFEMA (US declarations 1953-present), USGS FDSN earthquakes (global), GDACS multi-hazard alerts, Canadian Disaster Database, Copernicus EMS Rapid Mapping, NASA FIRMS active-fire detections, and ReliefWeb humanitarian alerts - canonical sources, refreshed at the cadence each agency publishes.
Technical Capabilities
A four-stage pipeline - hazard scoring, probability mapping, damage modelling, financial aggregation - built on public science and configurable for institutional use.
Public Hazard & Climate Data
GloFAS for riverine flood depth, GEM and USGS for seismic, CMIP6 indices for heat / cold / drought / snow / ice, NOAA and EIA for operational stress, US Drought Monitor for D0-D4 severity, and IPCC AR6 SSP1-2.6 / SSP2-4.5 / SSP5-8.5 narratives for scenario selection.
Closed-Form & Monte Carlo Engines
A deterministic closed-form engine powers sub-millisecond what-if scenarios and client-side simulators. For regulatory stress tests, insurance attachment modelling, and ISSB disclosures, the same inputs feed a Monte Carlo engine with 10,000+ iterations and bootstrapped percentile confidence bounds.
Climate-Adjusted Valuation
Present-value the expected loss stream over a user-configurable horizon (default discount rate 3%) to produce a Climate-Adjusted Value: market value less the PV of cumulative expected climate losses, expressed both as a dollar figure and as a percentage valuation haircut.
Building-Aware Vulnerability
Per-occupancy vulnerability factors re-scale published damage ratios for the actual building type - data centres and healthcare are calibrated below the reference office, industrial and warehouse builds above - with business-interruption losses sized from a downtime sub-model rather than a flat multiplier.
Chain of Custody
Every per-hazard result carries its method, data source, and confidence as first-class fields. Downstream consumers (the CVaR report, the insurance-pricing module, the AI mitigation advisor) are required to surface this metadata.
Building Footprint & Height Stack
Microsoft Building Footprints provides the polygon, Mapbox 3D Buildings supplies the height, and OpenStreetMap Overpass fills the gaps. Every property in scope gets a structured geometry before any hazard math runs, so loss calculations are tied to the actual building, not a parcel centroid.
Deterministic Replay & Audit Trail
Every score adjustment is logged with a request ID, the registry record counts that triggered it, the per-citation tier (authoritative primary source, regional allow-listed publisher, or general web), and the (latitude, longitude, score-set) seed. Any decision can be reconstructed bit-for-bit on demand - the audit pack is the engine, not a sidecar.
Scope 1 Building Emissions
EDGAR sectoral grid at 0.1 degrees (~10 km) is downscaled to a 100-metre raster via inverse-distance weighting and attributed to building footprints, supporting partial-occupancy splits where the asset is one tenant in a larger structure.
Emissions Quantification
Building-level emissions tracking with satellite validation for portfolio management, ESG reporting, and identifying energy efficiency opportunities.
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