Property Insurance

NatCat and climate

Purpose

NatCat and climate data helps Insurance teams understand natural catastrophe and climate exposure across insured sites. It supports conversations with insurers, brokers, risk engineers, and management by connecting location data with hazard and climate information.

NatCat and climate data is tied to Insurance sites. The quality of site addresses and coordinates matters, because location is the basis for the analysis.

What you can review

The NatCat and climate area is scoped to an insurance period (like Values and COPE) and has three tabs:

  • Overview — a portfolio-level Risk Scores view in the style of the Munich Re portfolio risk report. For each risk score (Overall, Earthquake, Storm, and Flood) it shows the distribution of your sites across the Low, Medium, High, and Extreme classes, weighted by the insured values of the selected period. Hover a site count to see which sites are in a class.
  • Table — the list of NatCat and climate reports by insurance site.
  • Transactions — purchase or creation history against the Munich Re API.

The NatCat and climate area can also include:

  • Site-level hazard and climate scores.
  • Natural catastrophe exposure by insured site.
  • Purchased or created NatCat data records.
  • Reports or PDFs where available.

Access

Users need the Read NatCat Insurance permission to view NatCat and climate data. Group owners have full access.

Site access is still respected. A user can only work with sites they are allowed to access, even if the Insurance board includes more sites.

Good to know

  • NatCat and climate data depends on site location quality.
  • Sites without reliable coordinates may need address cleanup before analysis is useful.
  • NatCat is part of Insurance reporting, but it is separate from manually entered values and COPE data.
  • NatCat data can help prioritize risk improvements when natural hazard exposure is high.
previous Bulk import responsibilities
next Engineering reports