Financial Services
Identify, manage, and reduce your exposure to climate and catastrophe risk – today and in the future.
Greater Understanding of Risk
Lenders, mortgage security holders, and property equity owners in real estate are giving more scrutiny to climate and catastrophe risks than ever before. A changing climate, significant under-insurance for U.S. earthquake, and dated FEMA flood maps all contribute to climate risks carried by the financial markets.
Understand Default Risk
Work with our experts to produce a risk assessment including loss potential due to uninsured risk from natural perils (earthquake, flood, wildfire).
Improve Loan Underwriting
Improve accuracy and efficiency when evaluating risks from natural perils such as earthquake and flood during loan underwriting with Moody's insurance solutions.
Inform ESG Reporting
Obtain climate metrics, quantify impacts of climate change on physical assets, and influence long-term business strategy.
Expert Teams That Understand Catastrophe Risk
Leverage world-class experts in catastrophe risk, financial and property risk management, and disaster preparedness analytics.
Related Products
Hazard
Tap into insights on conditions, circumstances, or situations that make a loss more likely to inform underwriting decisions.
Cyber
Quantify both affirmative and silent cyber risk to take advantage of market opportunity with the Moody's RMS probabilistic cyber catastrophe risk model.
Terrorism
Make better risk-based decisions with loss metrics for property and workers’ compensation lines using industry-leading terrorism models.
Data Where It Really Matters
Deeper location insights at the point of decision-making leads to a more profitable business. In today’s challenging market conditions, access to quality data has never been more important.
Sierra Ltd. – Parametric Mortgage Risk Transfer
Earthquake can lead to widespread mortgage defaults. As borrowers hand back keys for destroyed properties, lenders are left with no possibility to recover their losses. Moody's analytics and expertise on parametric risk transfer enabled a large investor in U.S. mortgage-related securities to transfer a layer of this risk to the capital markets, through a first-of-its-kind catastrophe bond issuance, Sierra Ltd.
Screening for Flood Risk During Property Acquisition
A leading commercial real estate company has taken a strategic decision to invest in properties that will continue to be viable over a 30-year period. Focusing on flood, Moody's insurance solutions data and tools enabled the entity to assess risk on a site-by-site basis and only acquire properties with low flood risk.
Seismic Risk Screening During Loan Underwriting
A commercial lender wanted to improve its loan underwriting process to consider seismic risk to multi-family properties. Using Moody's products, the lender built out a process to rapidly screen properties at risk for loss due to an earthquake event.
Understanding a Utility Portfolio’s Exposure to Wildfire Risk
An investment firm wanted to understand the risk U.S. wildfire posed to its utility's investments. Moody's computed county-level loss amounts from fire. The investment firm utilized this data to determine the utility company’s exposure to wildfire risk.
Uncovering Environmental Risks: The Data Challenge
Environmental risks are coming under increasing scrutiny by lenders, mortgage security holders, and property equity owners. This is driven by a number of factors including climate change, insufficient insurance coverage and increased building in high-risk areas.
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