Climate risk · Residential & Commercial valuation
The price of a property includes its climate risk.
Most models ignore that.
Terra-metric scores flood, wildfire, heat, and storm exposure at the property level — then shows how those risks move your cap rate, NOI, and acquisition price. Supports residential and commercial asset classes.
2847 Larimer St, Denver CO
Residential · Low Risk
24.1
Composite Risk Score
Low Risk
Wtd. Avg
24.1
Flood
10.0
FEMA Zone X
Storm
18.4
NOAA SPC
Heat
22.0
NOAA 30yr
Wildfire
12.0
USDA WUI
Purchase Price
$925,000
Climate-Adj. Value
$897,250
Climate VaR
−$27,750
First Street (2022) · Low risk · 3% discount
1221 Brickell Ave, Miami FL
Commercial · High Risk
71.4
Composite Risk Score
High Risk · Office NNN
Wtd. Avg
71.4
Flood
80.0
FEMA Zone AE
Storm
72.0
NOAA IBTrACS
Heat
68.0
NOAA 30yr
Wildfire
22.0
USDA WUI
Asset Class · Lease
Office · NNN
Purchase Price
$4,200,000
Climate-Adj. Value
$3,024,000
Climate VaR (net)
−$349,440
28% office High-risk discount · 60% NNN pass-through · net landlord exposure · Keys & Mulder (2020)
FEMA NFHL flood zones
NOAA IBTrACS hurricane tracks
NOAA SPC tornado + hail
USDA WUI wildfire interface
EPA EJScreen heat exposure
USGS seismic hazard model
NOAA CMIP6 2050 projections
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From address to adjusted valuation in seconds.
01
Enter any address
Type any U.S. residential or commercial address. Select asset class and lease type for commercial properties. Terra-metric geocodes and queries eight federal data sources in parallel.
02
Get a risk score
Four hazards, one composite score. Property-level where the data exists, county-level where it doesn't — always labeled so you know the confidence level.
03
See the valuation impact
Low, Moderate, and High climate scenarios show adjusted cap rate, insurance cost, NOI, and acquisition price. Commercial mode factors in asset class and lease structure. Export a full deal report.
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Eight federal data sources. All free. All cited.
Flood
FEMA NFHL
National Flood Hazard Layer — property-level flood zone classification and SFHA designation, pulled live from the browser
Storm
NOAA SPC + IBTrACS
Tornado and hail event history within 50mi. Atlantic basin hurricane tracks within 100mi since 1970. USGS seismic hazard model.
Heat
EPA EJScreen + NOAA CMIP6
Census-tract heat exposure index. Forward projections to 2050 under RCP 4.5 and RCP 8.5 warming scenarios.
Wildfire
USDA WUI + NIFC
Wildland-Urban Interface classification. Historical fire perimeters since 1995 from the National Interagency Fire Center.
Commercial
CoStar Cap Rates + HUD FMR
Asset-class cap rate benchmarks by market. HUD Fair Market Rents 2024. Census ACS vacancy rates and rent burden by county.
Insurance
FEMA NFIP + Swiss Re
FEMA OpenFEMA claims history by county. Swiss Re 2023 insurance gap model for excess premium estimation by risk bucket and asset class.
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Simple pricing.
Free
$0
forever
Up to 10 properties
All four hazard scores
Three climate scenarios
Basic PDF export
Pro
$49
per month
Unlimited portfolio
Commercial asset-class analysis
2050 heat projections (RCP 4.5 + 8.5)
TCFD-aligned report
Stress test + bulk upload
API access