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Analyse the impact of climate change on the insurability and value of any house in Australia

Climate change has major implications for property owners, buyers, investors & banks. Climate Valuation is the first tool in the world to quantify climate impacts on insurability & value.

Climate Valuation is a new online service under beta testing and set to launch commercially late 2017. 

Climate Valuation computes the statistical risk of climate change hazards occurring to any specified property, and a climate adjusted value. It then reports the projected increase in insurance premiums over the course of a mortgage.  

The service is specifically designed for home-buyers who wish to ensure they do not have unexpected insurance costs or a devaluing property, and for home owners looking to reduce vulnerability and increase value when renovating. 

The Beta version is currently being used to test properties in coastal suburbs for coastal inundation risk and is available for access by researchers.

A Climate Valuation report will tell you the following:

  • The risk, per hazard, per year to the nominated address for the term of the mortgage.
  • The average annual cost associated with this risk (which can also be regarded as the rise in insurance costs).
  • The effect of risk cost on the value of the property over the term of the mortgage.

Did you know?

Councils are under no obligation to notify development applicants of their climate risks.

Some insurance companies do not offer insurance for hazards like flooding to certain addresses in Australia.

Insurance premiums can vary 1o fold between low risk and high risk properties, but people rarely check the cost of insurance before they buy.


Climate change risk analysis and adaptation is already on the agenda for large utilities and governments looking to protect their assets. use the same risk engines and patented technology as utilities, but this is the first time this level of analysis has been offered to the public!

If you find that you have bought a property at high risk from weather and climate you probably have no legal recourse to the builder or council.


A Few Facts

The Australian Government has estimated that up to 140,000 homes around Australia could be affected by sea level rise of up to 1.1m (Report: Climate Change Risks to Australia's coasts). 

An insurance company can refuse to insure a property from one year to the next.  Some insurers are refusing to offer policies today, and many more properties in Australia could reach weather risk levels that become uninsurable.  Until now there has been no way for home buyers to test their properties for insurability with climate change factored in.

If you buy a property that becomes uninsurable due to climate impacts, you may have no legal redress.  The problem may be yours and yours only.

‘Actions of the sea’ are specifically excluded from most insurance policies. So if you’re buying a home in one of hundreds of beautiful coastal suburbs or tidal water ways, and your house gets flooded, don't assume that your insurance claim will be successful.  It's up to you to get the climate risk information, and now you can.

Pre-order Climate Valuation 

Climate Valuation will be available commercially late 2017.  The target price will be $250 per property report.  

If you are a researcher or journalist pre-order now.

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Find out more

Scientists have projected sea level rises of up to 2m this century.  Rising seas mean storm tides will reach further and higher, getting into more properties and causing more damage.  Many properties that are low risk today will have a considerable risk by the end of the mortgage.

We use the best available science from organisations like CSIRO, BOM, IPCC and ACE CRC,  and cross-compute it with data about your property using probabilistic risk engines.  

Find out more about the computation risk engines we license from

Read about some of the risks to property owners and buyers in these reports: 


This report from Australian Government assesses the scale of climate change risks to buildings around Australia's coast.

This report examines where local councils could be liable for risks from climate change, and where they have protection under state government legislation.


This report examined insurance premiums in sample high risk areas around Australia.  Premiums were found to vary considerably, and in some places, unavailable.