Risk and Resilience Scores

We can now translate the expected damage from climate hazards into a set of scores that capture both the shifting risks from the current period to the end of the century as well as the adaptation capacity of each location, resulting in an overall "ground truth" resilience profile.

The platform offers two set of scores: the Physical Risk Scores, where the hazard exposure is scored on a scale of 0 to 100, and the Resilience-adjusted Risk Score, where local adaptation features and societal resilience are applied to reduce the Physical Risk Scores where applicable. The image below shows the visualization of the dashboard for one sample location.

Summary score panel for a sample location in Mid Century, SSP370

From the left panel, we see from the individual scores that this location has a high overall Physical Climate Risk score of 61/100, with particularly high risk in Heat Stress and moderate risk in Inland Flooding and Coastal Flooding. In the right panel, we see that the overall Resilience-adjusted Risk is 14 points lower at 47/100 due to the effectiveness of the location's adaptation measures in reducing the corresponding risks.

We can look closer at the differences between the risk scores across time periods with the next image. We see that the Overall Resilience-adjusted Risk Score increases from 41 in the current period to 63 at the end of the century, indicating that climate change steadily exacerbates the overall risk profile of this location over time.

Looking at the individual scores, we see that the two significant risks in this location is Heat Stress and Coastal Flooding, and they also increase over time, leading to an increase in the Overall Resilience-adjusted Risk Score.

Summary scores visualization across time periods

Scoring Methodologies

The combination of the overall score with the individual hazard scores gives users granular insight to the risk profile of a location. The individual hazard scores are based on a score card that scales with the intensity of the hazard, giving the absolute risk exposure of a location for one type of risk at any given scenario and time period on a scale of 0 - 100. The overall scores, such as the Overall Physical Climate Risk Score and Overall Resilience-adjusted Risk Score, are percentile scores based on all which gives the relative position of the overall risk profile of one location compared to other locations.

Individual Hazard Scores

The individual hazard scores, such as Heat Stress or Inland Flooding, work like risk ratings ranging from 0 - 100 based on the relevant risk feature for each type of hazard. For example, Heat Stress Scores are computed based on the Annual Cooling Degree Days of a location with the following ranges. The category breaks are based on the Mean Damage Ratio explained in the Climate Risk and Resilience Framework. The higher the risk scores and category, the higher the expected mean damage ratio caused by the contributing feature.

Score Cat.	Very Low	Low	Medium	High	Very High
Score ranges	0 - 10	20 to 30	40 -50	60 -80	90 -100
Feature range	less than 650 days	651 - 950 days	951 - 1450 days	1451- 2250 days	more than 2250 days

Some hazards have multiple contributing features towards the final score. The table below shows the contributing features for each hazard type.

Score Type	Hazard metrics
Heat Stress	Annual Cooling Degree Days
Inland Flooding	Annual days with heavy precipitation
Inland Flooding	1000-year riverine flood inundation
Coastal Flooding	Mean sea level change
Coastal Flooding	1000-year coastal flood inundation
Wind	Hurricane return period
Drought	Water Demand/Supply Ratio
Drought & Wildfire	Maximum continuous dry days
Drought & Wildfire	Annual days with more than 38 degrees Celsius

Overall Scores

Mapping the total risk exposure of a location with reference to year 2050 under the scenario of SSP370.

The overall scores (i.e. Physical Climate Risk Score and Resilience-adjusted Risk Score) are created as percentile scores based on the physical risk impact on all indexed locations. All the mean damage ratios (MDR) of the 6 individual risk categories are summed up and translated into a score from 0 - 100 indicating the relative risk of a location compared to other locations in the world.

We also offer benchmarking based on different geographic scales and property types. The two image below illustrates this function:

Risk Score of the location compared with all multi-family risk exposure. This location trails the multi-family benchmark.

Risk Score of the location compared with all locations within the same state/province. This location outperforms the state/province benchmark.

This method allows us to understand how the profile of one location compares against others and how these change over time based on a unified frame of reference – giving rise to a variety of actionable insights for diverse use cases.

Please fill up this form to access the latest risk score card and contributing features from our data dictionary.