Product/ Insurance/ Climate
Climate scenarios

The same sites, thirty years from now

Forward-looking climate exposure per site, from the Munich Re Climate Change Edition. Pick a scenario and a horizon — 2030, 2050, 2100 — and see how each location moves against where it stands today.

The problem

Climate risk lives in a slide, not on the site

Most companies can describe their climate exposure in general terms. Very few can name the five sites that get materially worse by 2050.

The board's question has a date on it

Not "are we exposed", but "which sites, how much worse, and by when". A paragraph in the sustainability report does not answer that.

Today's hazard map is not the answer

Present-day flood and storm scores describe the risk you carry now. They say nothing about the site you are about to spend twenty years depreciating.

Scenarios arrive as consultancy

A one-off study lands as a PDF, ages immediately, and never reaches the site records where the rest of your risk data lives.

How it works

A scenario view over the portfolio you already keep

Climate projections attach to the same site records as your values, COPE and present-day hazard scores.

  1. 01

    Start from the sites you already have

    The same portfolio, the same locations. No separate spreadsheet of coordinates to assemble for the climate exercise.

  2. 02

    Pick a scenario and a horizon

    Munich Re climate scenarios run to 2030, 2040, 2050 and 2100, so you can compare a moderate pathway against a high-emissions one.

  3. 03

    Compare against today

    Every projection sits next to the present-day score for the same site, which is what makes the change legible rather than abstract.

insurance / climate-scenarios SSP2-4.5 · 2050
HA Hamburg DC RIVER FLOOD ↑ SUBSIDENCE →vs. today
RO Rotterdam terminal SEA LEVEL ↑ STORM SURGE ↑coastal 1.1 km
SE Seville plant HEAT STRESS ↑ FIRE WEATHER ↑2030 · 2050 · 2100
TP Taipei DC CYCLONE ↑ RIVER FLOOD →vs. today
AA Aalborg plant HEAT STRESS → SUBSIDENCE →no material change
Features

What you get with climate scenarios

HORIZONS

2030, 2050, 2100

Compare a moderate pathway against a high-emissions one at the horizon your capital planning actually uses.

PERILS

Beyond flood and wind

Sea level rise, subsidence, heat stress and fire weather stress — the exposures that do not show up on a present-day hazard map.

ONE SOURCE

Consistent with your NatCat view

Same provider as the present-day scores, so the projection and the baseline are not two vendors disagreeing about the same site.

FAQ

Frequently asked questions

How is this different from the NatCat page?

NatCat scores the hazard your sites face today. Climate projects how that hazard shifts under emissions scenarios out to 2100. Same portfolio, same source, different question — which is why they are separate.

Which scenarios and horizons are available?

Munich Re climate pathways — the RCP and SSP scenarios — at 2030, 2040, 2050 and 2100, so a moderate and a high-emissions future can be held side by side.

Which climate perils are projected?

Tropical cyclone, river flood, sea level rise, subsidence, heat stress and fire weather stress, depending on the location and the scenario selected.

Where does it come from?

The Munich Re Climate Change Edition — the same provider behind the present-day NatCat scores, so the two views are built on one source rather than two vendors who disagree.

Name the sites that get worse

See your own portfolio under a Munich Re climate scenario, next to where it stands today.