Climate Risk Data
Make smarter, more timely decisions before, during and after a climate disaster event
Our climate risk solutions leverage integrated data sets and advanced analytics to deliver unmatched visibility of the potential and actual impact of climate-related events to subject properties with granular loan- and parcel-level insights. Identify pipeline and portfolio risk before a disaster happens, allocate resources during a disaster and accurately assess post-disaster impact to help mitigate risk and reduce loss.
White paper
Climate risk is reshaping the housing market
Analyzing the links between climate risk, extreme weather events, and mortgage performance in the U.S.
Plan accordingly. Allocate accurately. Recover efficiently.
Effectively prepare for and assess disaster impacts with solutions that address the full life cycle of climate event management.
Inform
Obtain actionable insights with current, robust data to help make smarter, faster decisions
Prepare
Identify pipeline and portfolio risk before a disaster happens — such as evaluating properties with high flood risk scores that do not have flood insurance — helping to mitigate risk by improving the balance between higher- and lower-risk loans
Monitor
Gain visibility of the actual properties impacted and take action with near real-time monitoring and alerts on property recovery and affordability data
Manage
Properly allocate resources during a disaster with property- and parcel-level data that identifies the properties likely impacted
Track
Accurately assess post-disaster impact, minimize on-the-ground property inspections and communicate to the right borrowers after an event occurs
Flexible
Choose your data delivery option from API, match and append, bulk, McDash® or the Rapid Analytics Platform® (RAP®)
Climate Risk Analytics
ICE’s Climate Risk Analytics deliver high-resolution, location-precise insights quantifying potential risk of major climate events that can be projected over the full term of the mortgage. Users gain property-level projections of the potential impact on physical risk, as well as value-at-risk (percentage of expected annualized property loss) and visibility into payment affordability changes of properties affected by climate events (estimated property tax, utilities and insurance costs).
Housing Affordability Analytics
ICE’s Housing Affordability Analytics provides a complete view of homeownership costs and unlocks affordability transparency of residential housing through a quantified breakdown of total housing costs, including those that can change and impact a borrower’s ability to repay. With ICE, you get better data input and superior outputs, drawing from McDash® mortgage performance data, Climate Data and our Public Property Records Data.
Disaster Event Notifications
Gain timely, near real-time property-level insight into climate-related events as they occur with ICE’s Disaster Event Notifications. The solution quickly identifies the properties that have likely been impacted and alerts the lender or servicer, allowing them to reduce their financial exposure on damaged properties, target property inspection efforts, accurately determine the forbearances, move forward with closings on unimpacted properties and provide borrower assistance to those who were actually affected.
Post-Disaster Recovery Property Data
Post-Disaster Recovery Property Data uses ICE’s comprehensive and current property records to provide visibility into risk in the aftermath of a disaster event. Our post-disaster recovery solutions provide monitoring and alerts to help mitigate critical phase risk, including lien-related alerts, pre-foreclosure data and listing alerts, as well as building permit and property vacancy data for further recovery insight.
Your edge in a changing mortgage and climate landscape
Extreme weather events are more frequent, more severe and more costly — pushing insurance premiums up more than nearly 70% since 2020 according to ICE analysis. ICE combines high-resolution climate risk models with industry-leading property and mortgage data to deliver the clarity you need at the property, loan and security level.
