We combine authoritative Australian climate data sources with Google's Gemini AI to deliver address-level climate intelligence—not suburb averages.
We synthesise Open-Meteo climate records, ABS economic indicators, state-level hazard overlays and local authority data to create a single trusted evidence-base for each address.
A two-pass architecture: a structured scoring pass produces measurable scores and chart-ready datasets, followed by an actuary-grade narrative pass that translates risk into financial impact.
Address-level resolution with ensemble projections, insurance modelling and local adaptation playbooks so you can understand both near-term and long-term exposures.
| Metric | ClimateNest | Traditional Assessments | Notes |
|---|---|---|---|
| Resolution | Address-level | Suburb / postcode | Higher granularity reduces false positives |
| Risk Scoring | Deterministic scores (0–100) | Qualitative | Numeric scores enable modeling and insurance projections |
| Financial Translation | Actuarial narratives & dollar impacts | Limited | Translates hazards into premiums and value impact |
We convert physical hazard scores into forward-looking financial projections. Sample outputs below are illustrative and based on ensemble model outputs.
High flood exposure: Insurability warning — estimated 2.5x premium loading.
Bushfire elevated: BAL remediation recommended — est. +A$40k construction uplift.
These figures are calibrated for Australian markets and are model outputs, not binding quotes.
Start a full analysis to receive a detailed report including satellite imagery, charts, and an actuarial financial narrative.
1. Probabilistic Nature: Our climate risk scores (Heat, Flood, Bushfire) are probabilistic estimates based on current RCP 8.5 scenarios. They represent potential future risks, not guaranteed outcomes. A "Low Risk" score does not mean "No Risk."
2. Data Latency: We utilise datasets from third-party providers (including BOM, ABS, and Open-Meteo). While we update our database regularly, real-world conditions may have changed since the last data release.
3. Property Specifics: This methodology assesses risk at a lot or suburb level. It does not account for property-specific mitigations you may have installed (e.g., retaining walls, raised floor levels, fire-resistant materials) which would significantly lower your actual risk.
4. Not a Site Survey: This analysis is purely digital and AI-driven. It is not a substitute for a physical site inspection by a qualified surveyor or engineer.
