Client Challenge

Banks, insurers, and asset managers must quantify physical climate risk at the property and portfolio level. Traditional risk models rely on regional climate averages that fail to capture the true exposure of insured assets or financed projects at the neighborhood scale. This limits underwriting accuracy, complicates ESG-linked valuations, and exposes firms to unanticipated losses when extreme heat drives insurance claims or asset depreciation. Regulatory compliance is tightening, and firms must now produce defensible, location-specific risk assessments.

FortyGuard's Solution

FortyGuard’s Temperature API (starting at $79/month), part of our detailed heat analytics platform, provides hyperlocal, real-time, and forecasted environmental data measured at 2 meters above the ground with 10 m² spatial resolution. Financial institutions can integrate this intelligence into their underwriting, asset valuation, and portfolio monitoring tools, enabling them to model risk at the parcel or asset level. Advisory support helps align analytics outputs with regulatory frameworks such as TCFD, IFRS S2, and EU taxonomy requirements.

Value Creation