Frequently Asked Questions
Common questions about climate physical risk assessment and how ClimaInsight works.
What is climate physical risk?
Climate physical risk refers to the direct financial and structural threats that climate-related hazards pose to properties and assets. These include flood risk from rising water levels and extreme precipitation, wildfire risk from prolonged droughts and expanding fire-prone areas, and heat risk from increasing temperatures and urban heat island effects. ClimaInsight assesses all three hazard types for any property.
How does a climate risk assessment work?
A climate risk assessment evaluates a property's exposure to climate hazards. ClimaInsight geocodes your location, overlays it with authoritative hazard data from sources like Natural Resources Canada, and calculates composite risk scores across flood, wildfire, and heat hazards — all in minutes.
How is flood risk measured for a property?
Flood risk is assessed by sampling Natural Resources Canada's Flood Susceptibility Index, a national raster dataset that classifies areas on a scale of 1 to 6 based on factors like proximity to water bodies, terrain, soil drainage, and historical flood patterns. Higher scores indicate greater flood exposure.
What is the difference between climate physical risk and transition risk?
Climate physical risk concerns direct damage from climate events like floods, wildfires, and extreme heat. Climate transition risk relates to financial impacts from policy changes, technology shifts, and market adjustments as society moves toward a low-carbon economy. ClimaInsight focuses on physical risk assessment.
What Canadian regions are supported?
ClimaInsight supports all Canadian provinces and territories. Enter any valid Canadian postal code (free tier) or full street address (Pro tier) to receive a risk assessment. Coverage relies on national datasets from Natural Resources Canada and CMIP6 climate projections.
What is the difference between the Free and Pro tiers?
The free tier supports up to 10 properties per assessment using postal-code-level geocoding. The Pro tier supports up to 500 properties per assessment with full address-level geocoding, CSV batch upload, portfolio tracking, and PDF and Excel report exports. Pro is priced at $149/month CAD.
How accurate are the risk scores?
Risk scores are derived from authoritative national datasets at 250–1000 metre resolution. They are intended as screening-level indicators for relative risk comparison across a portfolio, not as site-specific engineering assessments. For individual property due diligence, always consult a qualified risk professional. See our Methodology page for full data source details.