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How climate change could impact your property

The increasing frequency and severity of extreme weather events poses a substantial economic risk to homeowners and property investors around the world.

“The Earth could be just 10 years from heating by more than 1.5 degrees Celsius – a threshold beyond which even more serious and frequent fires, droughts, floods and cyclones are expected to wreak havoc on humanity.”

– IPCC, 2021

Costly Repairs

Ongoing and costly damage from extreme weather events is expected to increase exponentially over the next 50 years.

Rising Premiums

One in every 25 property owners face insurance premiums that will be effectively unaffordable by 2030.

Market Devaluation

According to a recent analysis, the property market is projected to lose $700bn in value by 2100.

Learn more about how climate change is expected to impact Australian property.

The financial cost of climate change

Climate change has shifted the risk landscape for communities around the world. The past few years have borne witness to a sharp increase in catastrophic climate events – from raging wildfires to extreme flooding. 

These climate events pose substantial economic risks to homeowners and property investors:

Our Product Range

Climate Valuation’s range of products provide individuals and commercial users quantitative insights into the impacts of climate risk on the value and insurability of residential property.

Individual Households

Single Property Solutions
For homeowners, homebuyers
and home sellers

Our residential reports are designed to assist homeowners, homebuyers and homesellers interested in finding out the climate change-related risks associated with a specific property for the purposes of buying, selling, renting, insuring or renovating.

Property Service Providers

Multi-Property Solutions
For property professionals, developers, lenders, real estate agents and valuers

Our commercial products are designed to assist property professionals, developers, lenders, real estate agents and valuers, seeking accurate, dependable quantitative data to support reporting & financial transaction decision-making.

Our Product Range

Climate Valuation’s range of products provide individuals and commercial users quantitative insights into the impacts of climate risk on the value and insurability of residential property.

Individual Users

Single Property Solutions

Our residential reports are designed to assist homeowners, homebuyers, renters and real estate agents interested in finding out the climate change related risks associated with a specific property for the purposes of buying, selling, renting, insuring or renovating.

Commerical Users

Multi-Property Solutions

Our commercial products are designed to assist financial institutions, mortgage providers, investors and insurance providers seeking accurate, dependable quantitative data to support reporting & financial transaction decision-making.

Climate Analysis, Home, Climate Valuation

NEW Property Risk Portal

Explore the climate risks to your suburb using our Free Climate Insights Tools.

Quantifying your property's climate risk

Climate Valuation’s risk analysis is powered by purpose-built software developed by Climate Risk Pty Ltd.

These Climate Risk Engines integrate contextual information on a property’s surrounding environment (such as lat lon, topography and elevation) with user’s inputs about the property’s design and construction to calculate the property’s exposure and vulnerability to extreme weather damage. 

This is then combined with information from a range of national and international climate models to account for the expected changes in frequency and intensity of weather events over time.

Our reports provide a quantitative analysis of how climate change-related hazards may affect the current and future risk to the property selected for analysis.

Climate Resilience Rating

Results are summarised in an overall rating which may be used as an indication of the future insurability and value degradation of the representative property over three key points in time.

Technical Insurance Premium

The equivalent to the Annual Average Cost of Damage to the representative property caused by extreme weather and climate change events.

Climate Adjusted Value

This represents the percentage reduction in value for the representative property, relative to an equivalent property unaffected by climate change.

Individual Hazard Risk

An analysis of the individual contribution of each climate change and extreme weather hazard to the risk profile of the representative property over time.

Vulnerability Diagnostics

Examines the impacts of extreme weather and climate change on individual elements of the representative property.

Adaptation Recommendations

Individualised adaptation pathways such as maintenance, design upgrades or renovations may improve the resilience of the representative property

Our Methodology

Climate Valuation’s risk analysis is powered by purpose-built software developed by Climate Risk Pty Ltd. These “Climate Risk Engines” integrate the user’s inputs with information from national and international climate data sets to provide quantitative analysis of how climate change-related hazards may affect the current and future risk to the property selected for analysis.

Some of our data sources

Some of our data sources

Climate Change & Extreme Weather Hazards

Our analysis covers the physical risks from a range of climate change and extreme weather hazards

Riverine Flooding

Precipitation in a catchment that causes a river to exceed its capacity, inundating nearby areas.

Rising Sea Levels

A high sea event that floods land and infrastructure. Doesn’t include storm surges or coastal erosion.

Bushfires

A destructive fire that spreads via trees and forests. This definition does not include grass fires.

Soil Movement

Soil subsidence causes contraction of clay soils, which can lead to the foundations of a property shifting.

Extreme Wind

High-wind conditions that may exceed a building’s design specifications. Does not include cyclones.

What people are saying about Climate Valuation

Dianna A. Climate-Conscious Homeowner Previous Homeowner
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"Thank you so much for all the valuable information you have sent through. It was wonderful and I was very impressed with all the marvellous work you have done for us regarding the property. It has relieved us greatly."
Caity B. Engineering Professional
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"Thanks for the report. I am very interested both as a person looking to purchase a property and also as an engineering professional looking to support the transition to renewables and address the climate change crisis."
Max W. Millenial First Homebuyer
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"I found the report comprehensive and very well presented. I could clearly see how properties ranked on a easy to follow hierarchy. The report also highlighted areas that I had not previously considered when searching for and evaluating potential properties. The entire process was streamlined and very easy! I would recommend this service as a must for anyone considering purchasing a home!"
David I. Property Investor
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"I found the Climate Valuation online when investigating a property on the beach at Surfers Paradise. The platform is easy to use and is backed by scientific evidence in creating a risk assessment... I would recommend using the Climate Valuation service as part of your due diligence for any site that could be influenced by climate change."
SkyeFirst home buyer
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"I have so many friends and family on the Gold Coast which is one of the most high-risk areas in the country and so climate-risk is definitely at the front of my mind as I start to inspect properties. This is a major decision but I feel more confident now that I have the ability to understand the current and future implications of climate change on the properties I look at and proactively take steps to protect my future investment."
JuliaHomebuyer
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“I was originally looking at a low-lying property in Fremantle, WA, but after properly understanding the climate risk I had shortlisted, I realised the high flood risk and chose a home with a higher elevation and lower risk, just a few blocks away. When purchasing a home that I intend to live in for the next 30-50 years, knowing the long-term future risks that will impact the investment is really important. I think that it’s critical for people to know the potential for climate risk to guide their decision.”

We are world leaders in residential climate risk analysis

Climate Valuation has been providing engineering-grade analysis to financial organisations, governments and communities since 2015.

Global Coverage

Our Climate Risk Engines access data from over 100,000 institutions around the world to create a precise picture of your asset.

This includes sourcing information about your property’s soil, tree cover, ground vegetation, topology, elevation above sea level as well as the current and historical weather patterns for the local area.

Advanced Customisation

We account for a property's unique design specifications and construction materials when calculating its risk of damage.

Your report is a detailed and highly individualised reflection of your property’s likely vulnerability to climate change, not a generic assessment based on location alone.

Instant Results

Our powerful Climate Risk Engines are able to calculate the climate risk profile of any residential property in a matter of minutes.

Simply enter your address and supply a few details about the property to receive your engineering-grade report in your email inbox in less than 5 minutes.

Practical Solutions

Our reports help users understand what elements of the property are the most vulnerable, to what hazards and when those impacts are likely to take effect.

(coming soon) We will also offer property-specific adaptation recommendations to enhance your property’s resilience and improve its climate rating.