ClimateNest Index v1.0 · Updated June 2026
We combine 16 data sources — including BOM, CSIRO, ABS, and state government hazard mapping — using one published scoring rule to deliver address-level climate intelligence, not suburb averages. AI reads that data and writes the assessment and its narrative explanation.
We synthesise BOM climate records, CSIRO projections, ABS economic indicators, NASA POWER daily observations, state hazard overlays, and verified property market data to create a single trusted evidence-base for each address.
Every report is tailored to how you'll use it. First home buyers get plain-English guidance, investors see yield and portfolio impact, and conveyancers receive contract-ready technical summaries — all from the same underlying data.
Address-level resolution with ensemble projections, insurance modelling and local adaptation playbooks so you can understand both near-term and long-term exposures.
Australia's most transparent property climate risk score. 0–100. One number. 16 official data sources.
| Hazard | Data Sources | Key Factors |
|---|---|---|
| Flood | BOM + state flood mapping | Riverine, surface water, coastal inundation, 1-in-100yr AEP |
| Bushfire | State fire services, VIC Geoservice AU | BAL rating, proximity to bushland, ember attack zone |
| Heat | BOM + CSIRO projections | Days >37°C, urban heat island effect, heatwave frequency |
| Coastal | CSIRO sea level rise, coastal erosion models | Storm surge, king tide exposure, shoreline retreat |
| Wind | AS/NZS 1170.2 wind regions (Geoscience Australia, CC BY 4.0) | Design gust region as a derived classification, severe wind events, structural vulnerability |
| Storm | BOM severe thunderstorm database | Hail frequency, lightning strike density, severe convection |
| Social Vulnerability | ABS Census 2021, SEIFA, local council | Socioeconomic stress, climate adaptation capacity |
| Energy | NEM data, solar/battery uptake, grid resilience | Energy cost trajectory, blackout risk, renewable penetration |
The ClimateNest Index™ starts with a base equal-weighted mean of all 8 hazard dimensions, each scored 0–100. Then, goal-aware multipliers are applied to emphasise the hazards most relevant to your specific use case.
Base Score × Hazard Weight = Final ClimateNest Index™
A property may score 42/100 today (Moderate), 51/100 in 2030 (Elevated), 68/100 in 2050 (High).
This progression shows how climate change affects properties over time. The same property becomes progressively harder to insure and may face reduced buyer demand as risk increases.
We convert physical hazard scores into forward-looking financial projections. Sample outputs below are illustrative and based on ensemble model outputs.
High flood exposure: Insurability warning — estimated 2.5x premium loading.
Bushfire elevated: BAL remediation recommended — est. +A$40k construction uplift.
These figures are calibrated for Australian markets and are model outputs, not binding quotes.
| Provider | Origin | Hazards | Weighting | Calibration |
|---|---|---|---|---|
| ClimateCheck | US | 6 hazards | No goal-weighting | US calibration |
| First Street Foundation | US | 1-10 score | No AI personalisation | No AU data |
| Groundsure ClimateIndex™ | UK | 3 hazards | Max-risk, not goal-aware | UK method · NSW only |
| Climate Valuation | AU | 6 hazards | FEMA cost model, not goal-aware | Australia-wide · FEMA (US) thresholds |
| ClimateNest Index™ | AU | 8 hazards | Goal-aware | Australian calibration, fully transparent |
Competitor capabilities are taken from each provider's own published methodology and product documentation, not from our summary of them. Where a provider operates in more than one market, the row describes its Australian offering.
Every source behind a report is named below with what it contributes and the licence it is published under. This is the same register the sample report and the paid report print, so the three surfaces cannot disagree.
16 sources. Three are commercial services (Google Maps Platform, OpenStreetMap / Nominatim, SRTM), so they are counted as data sources rather than described as government data; the rest are government or research publishers.
Enter any Australian property address to receive your comprehensive climate risk report.
Probabilistic Nature
Our climate risk scores are probabilistic estimates based on RCP 8.5 scenarios. They represent potential future risks, not guaranteed outcomes. A “Low Risk” score does not mean “No Risk.”
Data Latency
We utilise datasets from third-party providers (including BOM, ABS, and NASA POWER). While we update regularly, real-world conditions may have changed since the last data release.
Property Specifics
This methodology assesses risk at a lot or suburb level. It does not account for property-specific mitigations (e.g., retaining walls, raised floors, fire-resistant materials) which would lower actual risk.
Not a Site Survey
This analysis is digital and AI-driven. It is not a substitute for a physical site inspection by a qualified surveyor or engineer.
