The evidence for rapid, human-lead climate change is compelling.

Earth has always had natural cycles of warming and cooling, but since the mid-20th century, the rate of warming is proceeding at an alarming rate. Greenhouse gasses released through the burning of fossil fuels (coal, oil, gas) create a layer around the earth, trapping heat within the atmosphere. This heat creates more extreme and unpredictable weather.

Greenhouse gas levels throughout history provide evidence that atmospheric CO2 levels have been increasing dramatically since the industrial revolution due to the widespread burning of fossil fuels.

“Scientific evidence for warming of the climate system is unequivocal.” Intergovernmental Panel on Climate Change

The consequences of climate change

Temperatures are climbing

The Earth's atmosphere is heating up ten times faster than anytime in the last 65 million years. The planet's average surface temperature has risen about 2.12 degrees Fahrenheit (1.18 degrees Celsius) since the late 19th century. Most of this warming has occurred in the past 40 years, with the top five hottest years on record being 2015, 2016, 2017, 2018 and 2020.

Sea levels are rising

Global sea levels rose about 20cm (8 inches) over the last century. The rate in the last two decades, however, is nearly double that of the last century and accelerating every year. The difference between 1.5˚C and 2˚C of global temperature rise could mean well over 10 million people could be displaced from their homes due to sea-level rise.

Extreme weather is more frequent

Small increases in global temperature change the frequency, intensity and duration of extreme weather events. Since 1950, the number of record high temperature days around the world has been increasing. Many countries have also witnessed increasing numbers of intense rainfall events, leading to flooding.

Fire weather is more common

One of the clearest findings of climate science is that global warming amplifies the intensity, duration and frequency of heat waves, drought and wildfires. An extremely dry winter coupled with unseasonably hot weather fuelled devastating wildfires across North America in 2016 and Australia in 2020.

Oceans are becoming more acidic

Since the 1950s, more than 90 percent of the energy trapped by the atmosphere has been absorbed into the oceans. Since then, coral reefs all over the world have seen extensive coral bleaching. The destruction of these habitats is having a huge impact on the survival of many of our ocean species.

What are RCPs?

RCP stands for ‘Representative Concentration Pathway’. The RCPs make predictions of how concentrations of greenhouse gases in the atmosphere will change in the future as a result of human activities.

The numerical values of the RCPs (2.6, 4.5, 6.0 and 8.5) refer to the greenhouse gas concentrations in 2100. RCP 8.5 is often considered the “Business As Usual” pathway consistent with the current trajectory of global emissions. RCP 8.5 leads to greater global temperature increases, which results in greater physical impacts.

Climate Change, The Science, Climate Valuation

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.

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.

Costly Repairs
Rising Premiums
Market Devaluation

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

Climate Change, The Science, Climate Valuation

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.


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.

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.

Some of our data sources

View our academic resources

  • Abdus Salam International Centre for Theoretical Physics, Trieste, Italy
  • Adapt NSW, NSW Government Office of Environment and Heritage, Australia
  • Antarctic Climate and Ecosystems Cooperative Research Centre, Hobart, Australia
  • Australian Research Council Centre of Excellence for Climate System Science and Climate Change Research Centre, University of New South Wales, Sydney, Australia
  • School of Biological, Earth and Environmental Sciences, University of New South Wales, Sydney, Australia
  • Meteorological Service of Canada, Department of Environment and Climate Change, Ottawa, Canada
  • Australian Bureau of Agricultural and Resource Economics and Sciences, Canberra, Australia
  • Australian Bureau of Meteorology, Canberra, Australia
  • Department of Agriculture and Water Resources, Canberra, Australia
  • Australian Government Department of Environment, Canberra, Australia
  • Australian Institute of Criminology (AIC), Canberra, Australia
  • Australian Rainfall and Runoff (ARR), Geosciences Australia, Canberra, Australia
  • Australian Soil Resource Information System (ASRIS), CSIRO, Canberra, Australia
  • BHP Group Limited, Melbourne, Australia
  • British Oceanographic Data Centre, National Science and Research Council, Liverpool, UK
  • Bundaberg Regional Council, Australia
  • Bundesamt fur Seeschifffahrt und Hydrographie, Hamburg, Germany
  • The Boundary Layer Wind Tunnel Laboratory, University of Western Ontario, Canada
  • Bushfire Cooperative Research Centre, Melbourne, Australia
  • Canadian Centre for Climate Modelling and Analysis, Environment and Climate Change Canada, University of Victoria, Canada
  • Canadian Electrical Association, Ottawa, Canada
  • Canadian Meteorological and Oceanographic Society
  • Centre for Climate Systems Research, Columbia University Earth Institute, New York, USA
  • Centre for Marine Technology and Engineering, Technical University of Lisbon, Portugal
  • Centre for Sustainability and the Global Environment, Nelson Institute for Environmental Studies University of Wisconsin, USA
  • Centre for Australian Weather and Climate Research, a partnership between the Bureau of Meteorology and CSIRO, Melbourne, Australia
  • Centre for Environmental Risk Management of Bushfires, University of Wollongong, Australia
  • Civil and Environmental Engineering, The University of Western Ontario, Canada
  • Climate and Atmospheric Science Branch, NSW Office of Environment and Heritage, Australia
  • Climate Change Research Centre, University of New South Wales, Sydney, Australia
  • Climate Disclosure Standards Board (CDSB), London, UK
  • Climate Impacts Group, University of Washington, USA
  • Climate Research Division, Environment and Climate Change Canada, University of Victoria, Canada
  • Coastal and Marine Unit, Office of Environment and Heritage, Newcastle, Australia
  • College of Marine Science, University of South Florida, USA
  • Commonwealth Bank of Australia (CBA)
  • Coordinated Regional Climate Downscaling Experiment (CORDEX), World Climate Research Programme
  • Crompton Risk Frontiers, Natural Hazards Research Centre, Macquarie University, Sydney, Australia
  • CSIRO Marine and Atmospheric Research, Canberra, Australia
  • Chris Zervas National Oceanic and Atmospheric Administration, Centre for Operational Oceanographic Products and Services, Silver Spring, Maryland, USA
  • Danish Meteorological Institute, Copenhagen, Denmark
  • Department of Applied Statistics, Johannes Kepler University, Linz, Austria
  • Department of Atmospheric and Hydrologic Sciences, St. Cloud State University
  • Department of Atmospheric and Environmental Sciences, State University of New York, Albany, USA
  • Department of Building Engineering, University of Manchester Institute of Science and Technology, UK
  • Department of Civil and Environmental Engineering, University of Western Ontario, Canada
  • Department of Civil Engineering, Institute of Science and Technology, Inonu University, Engineering Faculty, Malatya, Turkey
  • Department of Civil, Mining and Environmental, University of Wollongong, Australia
  • Department of Earth and Planetary Sciences, Rutgers Energy Institute and Institute of Earth, Ocean and Atmospheric Sciences, Rutgers University–New Brunswick, New Brunswick, USA
  • Department of Earth and Planetary Science, University of California, USA
  • Department of Forest and Natural Resources Management, State University of New York, Albany, USA
  • Department of Geographical Sciences, University of Maryland, USA
  • Department of Geosciences, Oregon State University, USA
  • Department of Physics, University of Toronto, Canada
  • Department of Statistical Science, Duke University, Durham, North Carolina, USA
  • Department of Planning, Transport and Infrastructure, Government of South Australia
  • Department of Fire and Emergency Services, Government of Western Australia
  • Earth System Dynamics
  • EIT Climate KIC, European Union
  • Encyclopaedia of Ocean Sciences
  • Environmental and Mining Engineering and the UWA Oceans Institute, The University of Western Australia, Perth, Australia
  • Environmental Finance
  • Environmental Hydraulics Institute, Universidad de Cantabria, Spain
  • Environmental Research Letters
  • European Bank for Reconstruction and Development, London, UK
  • European Sea-Level Service, European Environment Agency, Copenhagen, Denmark
  • Faculty of Economics, University of Tokyo, Japan
  • Finnish Meteorological Institute, Helsinki, Finland
  • Fire and Biodiversity Consortium, Queensland, Australia
  • Geographic Information Science Center of Excellence, South Dakota State University, USA
  • Global Hydrology Research Center (GHRC), NASA, USA
  • Global Land and Analysis Discovery (GLAD), University of Maryland, USA
  • Goddard Earth Sciences Technology and Research, Columbia, USA
  • Hawkesbury Institute for the Environment, Western Sydney University, Australia
  • Hydrological Sciences Laboratory, Goddard Space Flight Center, Greenbelt, Maryland, USA
  • Hydrology and Water Resources Symposium, Sydney, Australia
  • Icelandic Coast Guard, Reykjavic, Iceland
  • Independent Hospital Pricing Authority, Australian Government
  • Institute for Atmospheric and Climate Science, ETH, Zurich, Switzerland
  • Institute of Mathematics, School of Basic Sciences, Swiss Federal Institute of Technology, Zurich, Switzerland
  • Bidston Observatory, Institute of Oceanographic Sciences, Birkenhead, Merseyside, UK
  • Instituto Espanol de Oceanografia, Madrid, Spain
  • Intergovernmental Panel on Climate Change (IGCC), Geneva, Switzerland
  • International Centre for Climate and Environment Sciences, Beijing, China
  • The Ice Sheet Mass Balance Inter-comparison Exercise (IMBIE), ESA and NASA, USA.
  • Jayantha Obeysekera South Florida Water Management District, West Palm Beach, USA
  • NASA Land Use and Land Use Change Program, University of Maryland, USA
  • National Academy of Sciences, Washington DC, USA
  • National Centre for Atmospheric Research, Boulder, Colorado, USA
  • National Centre for Biotechnology Information (NCBI), US National Library of Medicine, Maryland, USA
  • National Centres for Environmental Prediction (NCEP) NOAA, USA
  • National Centre for Atmospheric Science, University of Leeds, UK
  • National Oceanic and Atmospheric Administration, Centre for Operational Oceanographic Products and Services, Silver Spring, Maryland, USA
  • Natural Resources Canada, Ottawa, Canada
  • NOAA Air Resources Laboratory, Silver Spring, Maryland, USA
  • Northeast Climate Adaptation Science Centre, and Department of Geosciences, University of Massachusetts, Amherst, USA
  • Northern Australian Fire Information, Charles Darwin University, Darwin, Australia
  • Norwegian Mapping Authority Hydrographic Service, Hønefoss, Norway
  • Norwegian Meteorological Institute, Oslo, Norway
  • Ocean and Earth Science, National Oceanography Centre, University of Southampton, UK
  • Pacific Climate Impacts Consortium University of Victoria, Canada
  • Pacific Northwest Research Station, US Forest Service, Corvallis, Oregon, USA
  • Pattiaratchi School of Environmental Systems Engineering and UWA Oceans Institute, The University of Western Australia
  • Proceedings of the National Academy of Sciences of the United States of America (PNAS)
  • Puertos del Estado, Madrid, Spain
  • Queensland Fire and Emergency Services, Queensland Government, Australia
  • Research Institute for Water and Environment, University of Siegen, Denmark
  • Reseaux de reference des observations maregraphiques, France
  • Rijkswaterstaat, Utrecht, Netherlands
  • Risk Frontiers, Macquarie University, Sydney, Australia
  • Royal Meteorological Society, Reading, UK
  • Satalia, Berlin, Germany
  • School of GeoSciences, The University of Edinburgh, UK
  • Solvay, Brussels, Belgium
  • Southern Research Station, US Forest Service, Knoxville, Tennessee, USA
  • Standards Catalogue, Standards Australia
  • Swedish Meteorological and Hydrological Institute, Norrköping, Sweden
  • Sydney Coastal Councils, Australia
  • US Geological Survey, Woods Hole, Massachusetts, USA
  • Universities Space Research Association, Columbia, Maryland, USA
  • USDA Natural Resources Conservation Service Water and Climate Centre, Portland, USA
  • Water Desalination and Reuse Centre, Biological and Environmental Sciences and Engineering Division, King Abdullah University of Science and Technology, UAE
  • World Meteorological Organization (WMO, Geneva, Switzerland)