Contents
1. What ClimaInsight is designed to do
ClimaInsight is a screening and monitoring platform for physical climate risk across Canadian properties and portfolios. It helps teams identify which locations and concentrations deserve closer attention, understand nearby active conditions, and structure practical reporting outputs for internal decision-making.
Note: ClimaInsight is designed for screening-level risk intelligence. It is not a site engineering opinion, not a catastrophe model, not a property valuation, and not a legal or regulatory advisory service.
2. What the outputs mean
Each assessment produces a set of outputs designed to support screening, prioritization, and reporting workflows.
| Output | What it means | What it does not mean |
|---|---|---|
| Baseline Risk | Relative hazard susceptibility for flood, wildfire, and heat, translated into a consistent five-level scale. | Not a loss estimate, insurance premium, or event forecast. |
| Live Alert Level | Active incidents and official watches or warnings detected near your properties. | Not a prediction of direct impact to the asset. |
3. Rating levels and interpretation
ClimaInsight uses a consistent five-level categorical rating scale so results remain comparable across hazards, properties, and portfolio summaries.
| Level | Suggested interpretation |
|---|---|
| Very High | Material exposure signal. Prioritize for closer review, mitigation discussion, or escalation. |
| High | Elevated exposure signal. Consider deeper review, portfolio context, and concentration effects. |
| Moderate | Meaningful but not immediately extreme. Useful for monitoring and prioritization. |
| Low | Lower relative exposure in the current screening context, not a guarantee of zero risk. |
| Very Low | Minimal relative exposure detected. Standard monitoring applies. |
Susceptibility levels indicate relative hazard exposure based on baseline datasets; they are not loss estimates or event forecasts.
4. Data sources and provenance
Every output in ClimaInsight is grounded in a named authoritative Canadian source.
| Output area | Primary source | Publisher |
|---|---|---|
| Flood baseline risk | Flood Susceptibility Index (national raster) | Natural Resources Canada (NRCan) |
| Wildfire baseline risk | National Wildfire Risk Index and supporting federal wildfire datasets | NRCan & Canadian Forest Service / Canadian Wildland Fire Information System |
| Heat baseline risk | CMIP6 Humidex projections — SSP2-4.5, 2041–2060, ensemble median | Environment and Climate Change Canada (ECCC) |
| Live conditions | Alert feeds, active flood event layers, and wildfire incident or perimeter services | ECCC, NRCan/EGS, CWFIS, and provincial wildfire agencies |
| Geocoding and precision | Canadian postal / FSA reference data; commercial address geocoder (Starter with add-on / Pro) | Canada Post / Statistics Canada reference data |
Public trust signals
- Data provenance: Every rating traces back to a named Canadian source for flood, wildfire, heat, or active conditions.
- Resolution honesty: Postal-code and address-level precision are different, and that difference matters in practical property workflows.
- Consistent framework: Hazard outputs are translated into a standardized screening framework so teams can compare properties and portfolios consistently.
5. Precision, tiers, and workflow
Location precision and workflow capabilities vary by plan.
| Tier | Best-fit use | Precision and output emphasis |
|---|---|---|
| Free | Property screening | Postal-code geolocation, on-screen results, saved history, and fixed-threshold live conditions. |
| Starter | Portfolio screening | Portfolio analysis, exports, monitoring, distance-aware live alerts, and optional address add-on. |
| Pro | Portfolio monitoring | Address-level workflow, faster alerts, larger portfolio capacity, and deeper monitoring history. |
| Enterprise | Custom and forward-looking workflows | Contact us for scenario analysis, custom data integrations, and enterprise-scale requirements. |
Why precision matters: Postal-code geolocation is useful for broad screening, but address-level placement can materially change the hazard context sampled for a specific property in transition zones.
6. Limitations and intended use
- Screening-level use: ClimaInsight supports prioritization, monitoring, and reporting workflows. It is not a substitute for site engineering studies, catastrophe models, property valuation, or legal advice.
- Relative, not absolute: Baseline risk levels indicate relative exposure in a screening context, not a guaranteed loss outcome or direct impact forecast.
- Geocoding precision: Free-tier outputs reflect the postal-code centroid, not a specific building footprint. Address-level precision is available in higher tiers.
- Dataset timing: Baseline and outlook layers reflect the source publication period and do not capture every local infrastructure or mitigation change.
- Canadian coverage: ClimaInsight is designed for Canadian properties and Canadian source datasets.
Need more detail?
This public methodology page is designed to explain what the outputs mean without turning into a technical appendix. For plan-specific workflow questions, reporting use cases, or implementation discussions, use the resources below.
- See the FAQ for tier, export, and workflow questions.
- Contact ClimaInsight if you need a walkthrough for portfolio analysis, monitoring, or disclosure support.
- Enterprise teams can contact us for custom workflow discussions.