Climate Risk Intelligence

Know Your
Physical Climate
Risk Score

Location-level hazard scores for ten meteorological perils, plus flood, landslide, earthquake and wildfire layers: 3 km to 1 km in Türkiye, the UK, Germany and N. Cyprus, and screening coverage across 182 countries.

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UrClimate Score Report
Live API
Canary Wharf, London, UK 51.5054° N, 0.0235° W  ·  1 km grid cell
Flood Risk
Low
Storm Wind
Moderate
Heatwave
High
Severe precipitation
Very High

3 km to 1 km meteorological grid; topographic flood score at 25 m

SSP Scenarios SSP2 · SSP5
182
Countries covered
globally
25 m
Topographic flood score
resolution
45
Real flood events,
no false negatives
10
Meteorological perils,
scored 1–100

Methodology

From Raw Climate Data
to Actionable Risk Scores

We combine global climate model output, regional dynamic downscaling and hazard-specific layers to deliver location-level scores by REST/JSON API or as GeoTIFF rasters.

Global Climate Model Ingestion

Global climate model output and reanalysis are processed at native resolution for the SSP2-4.5 and SSP5-8.5 scenarios, with future climate metrics at 2030, 2050 and 2100.

Regional Downscaling to 3 km and 1 km

Dynamic regional downscaling brings the meteorological perils to 3 km, refined to 1 km in the high-resolution tiers (Türkiye, UK, Germany, N. Cyprus); the topographic flood score is resolved at 25 m from terrain, flow paths and land use.

Scored & Delivered via REST API

Coordinate queries for points and batches of up to 100,000 locations return standardised JSON with per-peril scores and the model and data version in every response; GeoTIFF rasters load straight into your own GIS.

Coverage

Ten Meteorological Perils,
Plus Terrain, Geology and Loss Layers

Meteorological hazard scores cover ten perils, each scored 1–100 and country-relative within the modelled geography. Where the coverage tier allows, additional layers add topographic flood, landslide, earthquake, wildfire and flood-depth loss detail on the same spatial reference.

Hail Lightning Storm wind Severe precipitation / flash flood Snow load Frost Cold air (windchill) Fire weather Heatwave Drought
Meteorological hazard scores
Ten perils, 1–100 and country-relative. 3 km refined to 1 km in Türkiye, the UK, Germany and N. Cyprus; about 5.5 km across 36 European markets; about 10 km for global screening.
Hazard trend
5, 10 and 20-year score movement. Included in the 36 European markets package.
Topographic flood score
Terrain, flow paths and land use at 25 m. Türkiye, UK, Germany and N. Cyprus.
Landslide score
Slope, lithology, aspect and faults at 100 m. Türkiye.
Earthquake score
Soil class, VS30 and ground motion at about 500 m. Türkiye.
Wildfire composite
Building-level score with the forest interface. Türkiye.
Flood depth and annual average loss
30 m, six return periods from 5 to 250 years. Türkiye. Earthquake AAL, PML and net loss are a separately licensed premium layer at about 500 m.
Future climate metrics
SSP2-4.5 and SSP5-8.5 for 2030, 2050 and 2100. 10 km multi-model in Türkiye; global line in every other tier.

A 1–100 score is a country-relative hazard index within the modelled geography. It is not a loss ratio and not a probability of loss. Every layer is delivered by API or as GeoTIFF rasters.

Why UrClimate Score

Built for the
Precision Economy

Coverage tiers from 3 km to 1 km, additional layers down to 25 m, and one data foundation per tier.

01

Resolution That Matches the Hazard

Meteorological perils are scored at 3 km refined to 1 km in the high-resolution tiers; the topographic flood score resolves terrain, flow paths and land use at 25 m, and flood depth with annual average loss at 30 m in Türkiye. This matters for underwriting, loan-level modelling and asset due diligence where coarse proxies obscure real exposure.

02

Multi-Scenario Futures

Future climate metrics are available for SSP2-4.5 and SSP5-8.5 at 2030, 2050 and 2100 in every tier: the scenario spread analysts need for forward-looking disclosure and climate stress testing.

03

API-First, Portfolio-Scale

REST/JSON API for point and batch queries of up to 100,000 locations, compatible with core systems such as Guidewire and TIA, with per-client keys, static-IP allow-listing, a call-level audit trail and the model and data version in every response. GeoTIFF rasters go straight into your GIS; policy and claims data stay on your side.

04

Independent Science, Verified Data

Backed by ITU (Istanbul Technical University) academics. The lightning method was published at EGU 2020, and the flood score was checked against 45 real flood events in Türkiye with no false negatives. Proofs of concept run on anonymised locations; data sharing is not required.

Trusted By

In Production with Leading
Insurers Since 2021

UrClimate Score is actively used in underwriting, actuarial modelling, and risk engineering workflows at major insurance groups across Turkey and beyond.

Production Clients

Full Turkey coverage. Used daily by underwriters, actuaries, and risk engineers for location-based 1–100 scoring, regional heatmaps, and temporal trend reports.

Proof-of-Concept Partners

Risk Engineers

Interactive heatmaps at country, province, and district level. Temporal change reports showing how hazard exposure has shifted over time for any region.

Underwriters

Coordinate-level 1–100 composite score per hazard, delivered via API in real time. Instant integration into pricing models at the point of policy acceptance.

Actuaries

Location-specific hazard scores enriched with SSP2 and SSP5 projections for 2030, 2050, and 2100. Supports forward-looking loss modelling and Solvency II climate stress tests.

Client names shared with permission. Additional reference clients available on request under NDA.

Coverage Tiers

What We Cover, Where,
and at Which Resolution

UrClimate Score delivers location-level hazard layers in four coverage tiers. One data foundation per tier, so every layer in a portfolio is computed on the same spatial reference. A new country model takes 1 to 4 months.

Live Now
3 km → 1 km
Türkiye Full Stack; UK, Germany and N. Cyprus High-Resolution
  • Ten meteorological perils at 3 km refined to 1 km, scored 1–100 and country-relative
  • Topographic flood score at 25 m from terrain, flow paths and land use
  • Türkiye full stack: landslide 100 m, earthquake about 500 m, wildfire composite at building level, flood depth and annual average loss at 30 m
  • Earthquake AAL, PML and net loss in Türkiye as a separately licensed premium layer
  • Future climate metrics for SSP2-4.5 and SSP5-8.5 at 2030, 2050 and 2100; 10 km multi-model in Türkiye
  • Live API in production since 2021, uninterrupted
Live Now
5.5 km · 10 km
36 European Markets and 182-Country Global Screening
  • 36 European markets on a CERRA-based package at about 5.5 km, reference climate 2006-2025
  • Hazard trend as 5, 10 and 20-year score movement, included in the European package
  • 182 countries of global screening at about 10 km
  • Future climate metrics on the global line for SSP2-4.5 and SSP5-8.5
  • Delivered by REST/JSON API or as GeoTIFF rasters, with the model and data version in every response

36 European markets: NO · SE · DK · FI · IE · EE · LT · LV · PL · CZ · SK · BY · HU · RO · BG · MD · UA · CH · AT · SI · FR · BE · NL · LU · PT · IT · ES · GR · HR · MT · AL · ME · MK · RS · BA · XK

Use Cases

Who Uses
UrClimate Score

Designed for risk professionals who need asset-level precision, not portfolio-level approximations.

Insurance & Reinsurance

Price individual risks accurately, tighten underwriting appetites, and quantify portfolio-level CAT exposure under future climate scenarios.

  • Flood and storm underwriting at street level
  • Portfolio heat mapping for nat-cat accumulations
  • ORSA and Solvency II climate integration
  • IAIS sustainable insurance framework alignment

Banks & Lenders

Embed climate risk into credit underwriting, assess mortgage portfolio exposure, and produce TCFD-aligned transition and physical risk disclosures.

  • Loan-level physical risk for mortgage books
  • Real estate collateral assessment
  • EBA climate risk guideline compliance
  • IFRS S1 / S2 quantitative disclosures

Asset Managers & Investors

Score real estate, infrastructure, and renewable energy portfolios for physical risk. Support ESG reporting and climate due diligence for acquisitions.

  • Asset due diligence for acquisitions
  • SFDR Article 8 & 9 climate data
  • EU Taxonomy environmental objectives
  • Renewable energy site climate risk
Get Started

Ready to Score Your Portfolio?

Request a demo, run a sample query on your own assets, or discuss integration with our team. We typically respond within 24 hours.

Request a Demo Full Alkazar Services →
Unit 501 Leroy House, 434-436 Essex Road, London N1 3FY, UK
info@alkazar.co.uk
+44 7459 793 670
alkazar.com.tr: Full services & Istanbul office

Frequently asked questions

What is physical climate risk data?
Physical climate risk data quantifies how climate hazards (flood, wildfire, drought, storm, heat and others) affect a specific asset or location, both today and under future climate scenarios. It differs from transition risk data, which covers policy and market change. Alkazar delivers it at coordinate level through UrClimate Score and UrClimate Tailor.
What is catastrophe (cat) risk data, and how is it different?
Catastrophe risk data covers sudden natural-hazard events (earthquake, flood, hail, storm) and expresses them as financial loss metrics: AAL (Average Annual Loss) for pricing and provisioning, and PML (Probable Maximum Loss) for limits, reinsurance and capital. UrClimate Score reports both alongside climate hazards, so one dataset covers catastrophe and climate exposure together.
Which hazards does UrClimate Score cover, and where?
Ten meteorological perils (hail, lightning, storm wind, severe precipitation and flash flood, snow load, frost, cold air, fire weather, heatwave, drought), each scored 1–100 and country-relative, plus topographic flood, landslide, earthquake, wildfire and flood-depth loss layers where the coverage tier allows. Four tiers: Türkiye full stack; UK, Germany and N. Cyprus high-resolution; 36 European markets; 182 countries global screening. Access is through an interactive dashboard, an API or GeoTIFF rasters.
Does Alkazar run wind tunnel tests or CFD simulations?
Alkazar delivers wind engineering studies using CFD (computational fluid dynamics) simulation, not a physical wind tunnel. The modelling set-up follows boundary-layer wind tunnel practice (atmospheric boundary layer inflow, the surrounding built context modelled around the site, and directional analysis in 10° increments), so results can be read alongside wind tunnel reports and code calculations to EN 1991-1-4.
What wind engineering services are available in the UK?
Facade wind loading (pressure coefficients, cladding zones, 3D result files) and pedestrian-level wind comfort assessment reported against Lawson-type activity criteria, plus data centre external flow, natural ventilation and outdoor thermal comfort studies. The team has delivered 200+ projects since 2011 across millions of square metres.
Who is Alkazar Ltd.?
Alkazar Ltd. is the UK entity of the Alkazar group (Company No. 15908365, registered in England & Wales, London). The group was founded in 2011 and its intellectual property belongs to Alkazar Technology in Türkiye, which also runs the İstanbul headquarters and R&D office at İTÜ Teknokent.