We have three levels of Climate Valuation product. The products are intended to provide a staged insight into property risk from extreme weather and climate change. We are starting off with coastal inundation risks – because these are not covered by insurance so people need to be especially careful. We intend to add river flooding, bushfire, heat-waves and wind storms impacts released over coming months. We have special offers on these products while they are in Beta (testing form) and if you do use on of these systems, we will let you know when new hazards are added so that you can re-test any properties you are following.

Land Check

Price: Free
Enter the target address and we will assess whether the land parcel is at risk from coastal inundation flooding. The process should only take a few minutes, and we’ll send a copy of the results to your email address too.

House Value Projection

Price: Free During Beta Testing
We will ask you some simple questions about the house and run a more complex analysis to see if the house will be affected. We will calculate both the future insurability and the relative change in the value of the property over the course of the mortgage. This includes the effects of coastal inundation and sea level rise. The whole process will take about 10 minutes.

Risk Diagnostics

Price: Coming soon
Using detailed answers about your house we will undertake an sophisticated risk analysis to identify the key sources of vulnerability, and how to adapt your house to deal with extreme weather and climate change.
Is my home at risk?

Land Check


Enter the target address and we will assess whether the land parcel is at risk from coastal inundation flooding.

The process should only take a few minutes, and we’ll send a copy of the results to your email address too.


Is my home at risk?

House Value Projection


Please answer simple questions about the house. Your answers will help our computers to calculate future insurability and the relative change in the value of the property over the course of a standard 30 year mortgage.

Your property results will be based on coastal inundation data and sea level rise projections from current climate change science, which are analysed using our specialised risk engines.

Once you've submitted the form you will receive an email with our Climate Valuation report attached. The whole process will take about 5 minutes.


Please do not be alarmed if the results you receive indicate a significant change in value over the term of the mortgage. There may be things that you can do to make the property less vulnerable or that the council can do to reduce the hazards. We will provide contact details for organisations that can provide adaptation advice and finance.


Coastal Exposure?

Is my home at risk?

Risk Diagnostics

LETS FIX THE PROBLEM – coming soon

We have new services under development that will help you identify why your house is vulnerable to extreme weather and climate change and provide ways for you to test adaptation options.

We will contact you when this service is available.



Climate Valuation is a staunchly independent business, established to provide the best available extreme weather and climate science to home buyers deciding which house to buy. Our expertise has been built up over 10 year working for governments and corporations, but it is now available to general home-owners to ensure their home is physically and financially sound.

Climate Valuation does not provide financial advice. It is not affiliated to insurance companies, banks or any businesses in the property sector. Climate Valuation does not receive income based on any use of the system by individuals and does not make any information provided by users available to other companies.

Climate Valuation is lead by Dr Karl Mallon who has worked on climate change issues for over 20 years. He is a prominent advocate for the rights of home-owners to have access to information about climate change risks and the need for better protections for home owners and vulnerable groups. ClimateValuation.com licenses the same Climate Risk Engines that compute climate change risks and adaptation measures for large utilities and corporations. See ClimateRisk.com.au.


Using the Best Science for the Best Results

Sea Level Rise Model

We default your analysis use Haigh et al’s (2014) 1.5m by 2100 sea level rise model, as it is good for a more risk averse projection. The Australian government suggests 1.1m by 2100, but more recent research is suggesting ice melt may need consideration of another metre of sea level this century. Several models predict higher sea level rise, for example AMAP predict 1.6m of sea level rise by the end of the century, whereas the US National Oceanographic and Atmospheric Administration (NOAA, 2102) modelled sea level rise scenarios up to 2m this century. It should be noted that Hansen et al., (2016) include research that suggests sea level rise of up to 5m by 2100 is possible. If you want to test other sea level scenarios, you can re-run the model for the same property at no extra cost.

Probabilistic Risk Engines

Climate Valuation licenses use of cloud based servers running specialist software built specifically to analyze extreme weather and climate change to location specific assets. This is proprietary software owned by Climate Risk Pty Ltd and based on national and international patent applications. It is used by some of Australia’s largest infrastructure utilities, fin out more at ClimateRisk.com.au.

Land rise change

Tectonic movements mean that different locations are moving up and down over time relative to the Australian Height Datum. This information is needed alongside tidal and wave data to estimate the future probabilities of inundation. The nearest station may be shown on your map if it is nearby.

Tide Gauge Data

For Australian properties, the Climate Valuation analysis tool contains 11,651 synthetic tidal gauges spread evenly around the mainland, and 1,075 spread evenly around Tasmania. This tidal data model has been validated using 30 tide gauge sites around Australia with long records.

Digital Elevation Model

The Climate Valuation system uses a digital elevation model (DEM) of populated coastal areas around Australia to estimate the ground height of properties being analysed at a 5-metre grid resolution. The ‘bare earth’ DEM provides vertical elevations referenced to the Australian Height Datum (AHD). The sourced datasets are generally consistent with the Australian ICSM LiDAR Acquisition Specifications, which require a fundamental vertical accuracy of at least 0.30m (95% confidence) and horizontal accuracy of at least 0.80m (95% confidence).

Wave Data

Some residential properties will be exposed to the effects of waves, while others may be in ‘protected waters’ such as harbours or bay. The presence of waves is important in understanding coastal inundation as it increases the effective height of the flood-waters in a process called wave set-up. Our wave data is based on probability analysis of a deep-water wave buoys around Australia. The model uses the nearest buoy to the location of the property you selected, which is shown on your report. We then use joint probability methods to get the combined probability of a given wave and a given tidal height.

Technical Reports and Papers

The Climate Valuation analytics use innovative computational techniques that are the subject of a series of technical and academic papers being prepared for publication. These will be shared on the ClimateValuation.com site as they are published.

This is a BETA Version - for experimental analysis only.

Systems Under Development

Wave Hindcast

A thirty year hindcast model of wave characteristics exist for the globe with nested high resolution data for Australia and the Pacific Islands. With this dataset we will be able to accuratly calculate the AEP of wave set up at resolutions around 7km.


During the calculation of wave set up the slope of the bay is very important to the amount of set up that will be seen. Due to this we will be calculating a range of set up based on the type of bathymetry that is typically seen.

Risk Diagnositcs

A tool is in progress and will be triled in the coming months. This will enable the user to determin where their risk is coming from.


The tool is currently based on a centroid of the building, therfore if your block of land is steeply sloped, the anallysis may not be applicable over the whole land parcel or block. Further analysis may be required. In up coming versions the user will have the ability to move the locator for more acurate results.


This tool has been developed using the best available science at the time of creation. However there are some shortcomings of the tool that need to be mentioned.


The effects of cyclones are potentially underestimated. The Canute 2.0 dataset attempts to include both tropical and sub-tropical cyclones, analyzing with both forces and choosing the larger result. Several experts in the field however suggest that this may not accurately represent the effect of Cyclones.

Wave Impacts

The Weaknesses with the wave at the moment is that they can be located at quite a distance from the nearest house and for some states we have no wave buoys. This problem is currently being worked on where a synthetic dataset for waves will be created from a high resolution 1979-2010 hindcast of the wave climate. This will fix the problem of no data and the distance to the wave buoys.

Tides and Waves in the Future

This is still a developin field with not all mechanisms fully understood. There has been recent work to understand how waves and tides will change throughout the future. It is belived they will change however to our knowledge there is no sure answer to what these changes will be at the finer resolutions we are looking at. Therfore at this time we cannot include these changes into the tool. We therefore assume that the wave and storm climate today will stay the same and only sea level will change.

Known LiDAR issues

During our peer review process it was noted that there may be a discrepancy between the LiDAR and the control points used. Upon investigation one location showed a difference of 0.12m, and many other locations showed simillar, however it does not always measure higher or lower, and is therfore likely due to the resolution of the LiDAR available of about 5 meters squared.


We recognize that at this point estuaries are not estimated well. This is due to the dynamic nature of these environments; they can be heavily impacted by tidal forcing, many kilometers from the ocean, as well as be impacted by rainfall, and flow rates. This is a future area for improvement.


Remember, we are completely independent and our aim is to help ordinary home owners and renters to manage the physical and financial risks from climate change – so we do not sell customer information and we will advocate on your behalf whenever we can.

We're calling for councils to release digital flood depth data and asking banks to extend mortgages to help prepare properties for more extreme weather.

If you want to be kept aware of these projects or have a particular situation that you would like to share with us, then get in touch.

Karl Mallon

Contact Karl via email through karl@climaterisk.com.au

Max McKinlay

Contact Max for technical support through the form to the right

Get in touch

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While ClimateValuation has made every effort to ensure that material on this site is accurate, please note ClimateValuation does not provide financial advice. It is not affiliated to insurance companies, banks or any businesses in the property sector. Climate Valuation does not make any information provided by users available to other companies.

ClimateValuation does not guarantee, and accepts no legal liability arising from the accuracy, reliability, or completeness of any material contained on this website. Users should seek appropriate advice prior to relying on, or entering into any commitment based on material presented here.

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