CLIMA scores every property in your portfolio for flood, wildfire, hurricane, and heat exposure — then translates that into the numbers you actually need: adjusted DTI, insurance gaps, expected loss, and reserve impact.
Traditional underwriting treats a $400K home in Miami Beach the same as one in Minneapolis. Climate risk changes everything — insurance costs, default probability, and property values.
Properties in climate-exposed zones face up to 48x higher insurance costs than standard underwriting assumes. This blows up true DTI ratios.
Community banks hold billions in mortgage exposure where climate-driven insurance increases have not been factored into credit risk models.
Freddie Mac data shows disaster-county loans default at 72x the rate of non-disaster counties. Your reserve models aren't capturing this.
Not another risk score. A complete credit risk layer that plugs into your existing workflow.
Upload your loan tape. Get every property scored for flood, wildfire, hurricane, and heat risk. See portfolio-level concentrations, stress test results, and per-loan expected loss adjustments.
See exactly where borrower insurance coverage falls short. Interactive sliders let analysts adjust coverage and instantly see the impact on DTI, expected loss, and reserve requirements.
Track every loan through climate-aware underwriting. See risk badges, NRI ratings, and insurance market alerts at a glance. Know which deals to restructure vs. decline before you commit capital.
One-click PDF with model methodology, data source verification, regulatory alignment (OCC SR 11-7, CECL, Fair Lending), and your institution's usage summary. Hand it to your examiner as-is.
No integration. No IT project. Upload a CSV, get answers.
Standard CSV with loan ID, property address, balance, and rate. We handle the geocoding. AES-256 encryption, SOC 2-ready security controls.
CLIMA cross-references 14 federal data sources to assess flood zone, wildfire hazard, disaster history, insurance market stress, and lending patterns for each property's county.
Not just risk tiers — actual dollars. Adjusted DTI with true insurance costs. Expected loss per loan. Portfolio stress tests under climate scenarios. Reserve recommendations.
Track deals through your pipeline with climate context. Restructure loans before they become problems. Show your examiner you've got climate risk covered — with the PDF to prove it.
Every score traces back to a verified government source. No proprietary data you can't explain to an examiner.
You don't need a climate team or a data science department. CLIMA was built for institutions that need answers, not infrastructure.
See your portfolio's climate exposure in dollars, not abstract scores. Know which concentrations to watch before your examiner asks.
Screen new originations with true insurance-adjusted DTI. Identify deals that need restructuring and save loans that would otherwise be declined.
One-click examiner briefings with full model documentation, data provenance, and regulatory mapping. OCC SR 11-7, CECL, and Fair Lending compliant.
30-minute demo. Bring your loan tape — we'll score it live.
Or email us directly at james@clima.solutions