What is Climate on Demand?

What is Climate on Demand?

Climate on Demand provides foundational insight through rigorous data and analytics that define current and forward-looking location-specific threats to real assets from climate-related event damages and business disruption.

Understand physical climate risks to individual assets and portfolios with:

  • Global coverage
  • Globally comparable Hazard and Impact risk scores
  • Scenario analysis capabilities through 2100
  • Climate financial impact metrics

See Firsthand the Power of Climate on Demand’s Financial Impact Metrics

Receive Climate on Demand climate risk analytics tailored to any property in the world and start gaining climate insights today.


Moody’s Climate on Demand Decision-Ready Metrics and Physical Risk Insight Designed for Seamless Integration

Integrate climate risk into these key business objectives:

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Property Screening and Due Diligence

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Impact Assessment for Climate Materiality

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Climate Impact Assessment for Regulatory and Disclosure Reporting

Risk Screening for Stakeholder Engagement

Make better property investment decisions by incorporating physical climate risk:

  • Identify assets at higher climate risk and gain insight on underlying risk drivers
  • Monitor portfolio exposure to climate risk and identify capitol allocation planning opportunities
  • Perform property investment due diligence with quantified climate risk

Use climate risk analytics to assess the impact of physical risk within your C&I, residential mortgage, and commercial real estate portfolios:

  • Integrate climate risk assessment into credit risk workflows
  • Leverage climate risk analytics for credit assessment and screen assets for loan acquisition
  • Identify the climate-related financial risks in commercial and residential mortgage portfolios

Comply with rapidly evolving and increasingly complex climate risk disclosure requirements including:

  • Task Force for Climate-Related Financial Disclosure​
  • Global Real Estate Sustainability Benchmark​
  • EU Energy Performance of Building Directives​
  • Local Regulations (NYC LL97, BERDO, etc.)​
  • NYS Department of Financial Services Scenarios​
  • CAN Office of the Superintendent of Financial Institutions
  • ECB and SEC portfolio aggregated climate risk and lending disclosures

Empower risk management frameworks and stakeholders with quantified climate impacts:

  • Validate sustainability goals and progress with robust metrics based on transparent methodologies
  •  Communicate property and portfolio physical climate risk with flexibility via an API, dashboards, or downloadable scorecard report
Modeling for a Comprehensive View of Physical Climate Risk

Modeling for a Comprehensive View of Physical Climate Risk

Rigorous modeling validates projections of potential business and financial impacts from climate change. Moody’s Climate on Demand offers a framework to support climate risk assessment from early-stage strategic planning to mature incorporation of climate risk into investment decision-making. The extendable model provides a consistent view of physical climate risk throughout the risk management journey and across organizational needs.

The complexity of climate risks – acute, chronic, and compounding, require sophisticated analytics that incorporate hazard impacts, asset characteristics, and location that influence real damage and business interruption. Moody’s Climate on Demand leverages highly innovative climate-conditioned catastrophe models to provide robust insights at high enough resolutions to measure physical risk financial impacts.  

Climate Science & Likelihood of Events

Evaluating physical climate risks requires an understanding of the various drivers of risk that could impact predicted outcomes. Moody’s Climate on Demand models combine bottom-up weather simulations using climate model output and the latest scientific consensus on climate change, to calculate the expected frequency and severity of chronic and acute climate events both now and in the future.

Asset Characteristics & Likelihood of Damage

Individual property characteristics are a significant factor in modeling hazard damages from wildfires to floods. Moody’s Climate on Demand is informed by on-the-ground post-event damage reconnaissance surveys that capture building and facility detailed damage assessments. Additionally, machine learning techniques are utilized in modeling how factors such as building type, industry, and regional building codes can impact the damage and financial losses.

Geography & Likelihood of Damage and Business Disruption

Location influences climate-related damage and disruption. Factors such as local terrain, geology, land-use, and local guidelines on built environment influence expected damage. Intensive modeling approaches are applied to data sparse regions to address not only historical hazard data scarcity but also macro scale mitigation efforts, such as flood defenses.

Climate-Conditioned Catastrophe Modeling: Best of Both Worlds

The scientific community is reaching consensus that to measure climate change impacts at the resolution required to make financial decisions, both general circulation models (GCMs) and catastrophe (cat) risk models are needed. GCMs are instrumental in modeling large-scale, long-term, global modes of variability and trends in atmospheric and ocean circulation systems but they cannot be run at high enough resolutions to capture all meaningful processes at regional and local levels. Catastrophe models, on the other hand, are used to model near-term outcomes in extreme weather and have been used in the insurance industry (one of the most highly regulated financial services industries) for over three decades to protect and deploy capital efficiently.  

For Moody’s, this presented an opportunity to innovate and create something new and unseen in the marketplace. Through combining a long legacy in proven, regulated, and industry-leading cat modeling with the results and recommendations of the global scientific community on climate change to create climate-conditioned catastrophe models that provide a forward-looking view of risk. The approach brings together the best of both worlds leaning into the strengths of each model class to create a highly robust and granular forward-looking view of climate impacts to real assets. Ultimately, this is a hybrid approach that combines state-of-the-science techniques for event simulation and damage calculation, with state-of-the-science data from GCMs and the academic consensus on climate change, to produce robust estimates of near- and long-term acute physical risk.

Taking a Closer Look at Modeling Physical Risk Financial Impacts through Wildfire

Comprehensive Modeling Inputs that Produce Robust and Actionable Insights

Climate Science
Climate Science

Compounding pressures from chronic heat and water stress, changing land-use, wind speed and direction all impact available fuel supply and wildfire risk.

Asset Characteristics
Asset Characteristics

Embers, radiant heat, and smoke contribute to potential property damages and are modeled against property types and associated industries.

Geographic Influences
Geographic Influences

Urban expansion and population growth further exacerbate wildfire risk, increasing hazard exposure and potential financial impacts.

Delivering Decision-Ready Metrics that Translate Climate Risk from Individual Assets to Global Portfolios

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Hazard Scores

Understand the relative threat to an individual asset from climate change impacts including: heat stress, water stress, floods, hurricanes and typhoons, sea level rise, and wildfires.



Impact Scores

Add dimension to physical risk insight with relative scoring of potential damage and business disruption defined by asset-specific characteristics that influence impact relative to the scored hazard.



Financial Metrics

Deepen insight with financial estimates of damage and business interruption with metrics that model potential impact and build on real-world, reported event costs, on-the-ground engineering assessments, and industry-validated climate science.

Climate on Demand News and Insights

Learn about recent product insights plus perspectives and analysis on key trends shaping global climate change risk assessment and sustainable finance. 

Talk to a Moody's climate expert today

Talk to Expert
Request an expert follow-up today and demo the flexible options and insights from Climate on Demand. Dive in deeper with our experts on the value of hazard and impact scores. Explore the expanded benefits of climate risk financial metrics to support better decisions.
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