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    • What We Do
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  • What We Do
  • How We Do
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  • Products and Services

Quantifying Climate & Catastrophe Risk

From climate science to actionable insights - our products and services help organisations understand, measure and manage climate and catastrophe risk.

Climate change risk intelligence (c2ri)

Climate Change Risk Indicator - Hazards based climate risk ranking

Climate Change Crop Risk (C3R) model - Climate driven crop yield and production risk modelling

Climate Change Risk Index - Hazard + Vulnerability based risk index

Location - specific assessment of climate hazards under present and future scenarios, covering acute and chronic climate perils.

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Climate Change Risk Index - Hazard + Vulnerability based risk index

Climate Change Crop Risk (C3R) model - Climate driven crop yield and production risk modelling

Climate Change Risk Index - Hazard + Vulnerability based risk index

Combines location - specific hazard data with asset vulnerability to produce comprehensive risk scores for specific asset classes.

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Heat Risk Intelligence (HRI) - Heat risk and operational impact

Climate Change Crop Risk (C3R) model - Climate driven crop yield and production risk modelling

Climate Change Crop Risk (C3R) model - Climate driven crop yield and production risk modelling

Quantifies heat risk and its potential impacts on workability, workforce capacity and operational productivity and loss.

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Climate Change Crop Risk (C3R) model - Climate driven crop yield and production risk modelling

Climate Change Crop Risk (C3R) model - Climate driven crop yield and production risk modelling

Climate Change Crop Risk (C3R) model - Climate driven crop yield and production risk modelling

Assesses climate -related risks to crop yields and production across key regions and crops.


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Natural Catastrophe Analytics

NC5R - high resolution natural catastrophe

High - resolution, location -specific hazard intelligence for natural catastrophe risk. 


Supports underwriting, site selection and portfolio risk assessment for seven major U.S. natural catastrophe perils.

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Consulting & analytics services

NATCAT Analytics

Climate Analytics

Climate Analytics

Our mission is to help businesses thrive by delivering tailored Natural Catastrophe (Nat Cat) consulting services that address each client’s unique needs. We support catastrophe modeling operations through a comprehensive range of services, helping organizations better understand, manage, and optimize their risk.

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Climate Analytics

Climate Analytics

Climate Analytics

We believe in detailed analysis of climate change impacts to support informed decision-making. Our climate analytics services assist clients in assessing climate risks through data-driven insights. By working closely with each client, we develop tailored solutions that address their specific challenges and support long-term resilience.

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Climate Change Risk Indicator (C2RI)

The Climate Change Risk Indicator  quantifies the impact of extreme weather events on specific locations by assessing the frequency and severity of hazards. It provides a location-specific hazard level that helps organizations understand their exposure to climate-related risks and informs targeted risk management strategies.

 

    

Key Features 

  • Global coverage for extreme climate perils
  • Five location-specific indicators for each peril


Climate Change Indicators

  • Risk Indicator (Hazard Score) – Present Climate
  • Risk Indicator (Hazard Score) – SSP2-4.5 Scenario (2050)
  • Risk Indicator (Hazard Score) – SSP5-8.5 Scenario (2050)
  • Risk Indicator (Hazard Score) – SSP2-4.5 Scenario (2080)
  • Risk Indicator (Hazard Score) – SSP5-8.5 Scenario (2080)


Perils Coverage

  • River Flood, 
  • Tropical Cyclone, 
  • Extreme Heat,
  • Water stress


Climate Scenarios

  • Present
  • CMIP6 model projections for SSP2-4.5 
  • CMIP6 model projections for SSP5-8.5

Climate Change Risk Index (C2RI)

 

The Climate Change Risk Index is developed by combining location-specific hazard data with the vulnerabilities of assets in that area. This integrated approach provides a comprehensive assessment of overall climate risk, helping organizations identify where their assets are most exposed and prioritize mitigation strategies.

    

Key Features 

  • Global coverage of extreme climate perils
  • Combines Risk Indicators (Hazard Index) and Risk Indices (Hazard + Vulnerability) for more informed decision-making
  • Risk Indices tailored to users’ specific asset classes
  • Provides 10 location-specific indices for each peril


Climate Change Indicators

 

Risk Index (Risk Score) for Damage Levels:

  • 10% damage – Present Climate
  • 30% damage – Present Climate
  • 10% damage – SSP2-4.5 (2050)
  • 30% damage – SSP2-4.5 (2050)
  • 10% damage – SSP2-4.5 (2080)
  • 30% damage – SSP2-4.5 (2080)
  • 10% damage – SSP5-8.5 (2050)
  • 30% damage – SSP5-8.5 (2050)
  • 10% damage – SSP5-8.5 (2080)
  • 30% damage – SSP5-8.5 (2080)


Perils Coverage

  • River Flood, 
  • Tropical Cyclone, 
  • Extreme Heat,
  • Water stress


Climate Scenarios

  • Present
  • CMIP6 model projections for SSP2-4.5 
  • CMIP6 model projections for SSP5-8.5

Heat Risk Intelligence (HRI)

 

The Heat Risk Intelligence (HRI) framework quantifies the potential impacts of extreme heat on human workability, workforce capacity, and operational productivity. It scientifically integrates environmental heat conditions with human vulnerability through human heat balance, assessing how factors such as temperature, humidity, solar radiation, wind speed, and physical workload influence the ability to sustain work under heat stress. HRI supports the assessment of current and future heat risks, helping organizations understand potential operational impacts and make informed decisions to strengthen workforce resilience and operational planning.

 

Key Features  

  • Assesses heat risk by integrating environmental heat conditions with human physiological vulnerability.
  • Evaluates workability and potential productivity loss across different activities and operational settings.
  • Provides insights at monthly, weekly, and hourly timescales to support operational planning.
  • Supports assessments of current heat risk and potential changes under future climate scenarios.
  • Helps identify periods of elevated heat risk to inform workforce planning and adaptation strategies.

 

Approach

The HRI framework evaluates the interaction between environmental heat conditions and human heat balance by considering:

  • Environmental heat conditions: Air temperature, humidity, solar radiation, wind speed, and atmospheric pressure.
  • Human vulnerability: Physical workload, metabolic heat production, age, and gender.
  • Workability assessment: Thermal Work Limit (TWL) calculations to evaluate the capacity to sustain work under prevailing environmental conditions.
  • Operational impact assessment: Translation of heat-related workability constraints into potential workforce capacity and productivity impacts.


Climate Scenarios

  • Present
  • CMIP6 model projections for SSP2-4.5 
  • CMIP6 model projections for SSP5-8.5

Climate Change Crop Risk (C3R)

 

The Climate Change Crop Risk (C3R) model for India estimates crop yields by scientifically analyzing the complex interactions between geographic location, soil conditions, and climatic variables. It evaluates how these factors affect different crop types under current and future climate scenarios, helping stakeholders understand potential risks and make informed decisions to enhance agricultural resilience.

 

Key Features  

  • Covers 28 states and 8 Union Territories across India
  • Aggregates risk at the village level for granular insights
  • Models yield and production for all major crops of both Rabi and Kharif seasons

 

Approach

The model estimates crops’ energy requirements at different development stages by considering:

  • Location and soil data
  • Daily climatic data
  • Crop management practices


Climate Scenarios

  • Present
  • CMIP6 model projections for SSP2-4.5 
  • CMIP6 model projections for SSP5-8.5

NC5R: High-Resolution Natural Catastrophe Hazard Index

NC5R is a high-resolution, pre-modelling hazard index product developed by a2s for the United States. It covers 7 major natural catastrophe perils and is designed to support fast, location-specific hazard assessment—especially valuable for underwriters and risk managers during early-stage analysis. 


Key Features  

  • Covers 7 major natural perils across the U.S. for comprehensive risk screening
  • Provides high-resolution hazard indices for precise, location-based evaluation
  • Includes additional geospatial layers: distance to coastline, distance to fault lines, and elevation data
  • Designed to support early-stage underwriting, site selection, and portfolio risk assessment
  • Enhances risk management workflows through faster, data-driven decision-making

 

Approach

The NC5R product is developed using a data-driven methodology that integrates high-resolution geospatial information with advanced hazard modeling techniques. It leverages historical event records and scientific hazard assessments to generate consistent, high-resolution hazard indices across different locations. This structured approach enables users to accurately and efficiently evaluate natural catastrophe risks, supporting early-stage underwriting, asset screening, and comprehensive risk management strategies.

NAT CAT Consultancy

NAT CAT & Exposure Management 

 

Our NATCAT consulting services are tailored to meet the unique needs of each client. a2s supports clients’ catastrophe modeling operations through:

  • Data validation, exposure hazard analysis, and preparation of exposure summary reports by analyzing vendor exposure databases such as EDM and CEDE
  • Insurance and reinsurance portfolio modeling using leading vendor catastrophe modeling platforms including RiskLink, Risk Modeler, Touchstone, and SoloKat
  • Loss analysis and generation of detailed loss summary reports
  • Portfolio and risk optimization to enhance risk-return balance

    

Model Evaluation and Validation


a2s evaluates natural catastrophe (NATCAT) models to ensure they accurately reflect clients’ risk exposures. Our reviews and analyses support informed decision-making and model optimization.

  • Assist clients in validating and evaluating NATCAT models from various vendors
  • Review model documentation and scientific research for specific country-peril combinations to verify hazard and vulnerability components
  • Conduct sensitivity analyses for different occupancy and construction types to assess model impact
  • Evaluate how model changes affect clients’ in-force insurance and reinsurance portfolios through portfolio runs and comparison reports
  • Analyze exposure and claims data to offer insights into risk profiles and support customized risk perspectives


 

Industry Exposure and Loss Update


a2s supports clients in gaining clear insights into industry exposure and loss distribution across various regions. Our services ensure accurate exposure development and up-to-date loss estimation to inform strategic decisions.

  • Help develop and validate industry exposures using publicly available data
  • Assist in updating industry loss and market share estimates
  • Prepare detailed reports explaining changes in exposure and loss trends
  • Provide analysis of clients’ book of business exposure and loss contributions across geographies

Climate Risk Consultancy

 

 

Climate Compliances and Declarations


a2s has deep expertise in navigating climate-related compliances and declarations across different regions. We assist businesses in meeting their climate compliance and sustainability objectives effectively.

  • Understand and interpret climate regulations across multiple geographies
  • Support businesses in achieving climate compliance requirements
  • Guide clients on sustainability reporting and disclosure standards
  • Help develop strategies aligned with evolving climate policies and frameworks

 

    

 

Climate Analytics and Model Development


a2s is dedicated to detailed analysis of climate change impacts. We cover every aspect of climate risk assessment—from climate model evaluation to hazard index calculation and quantifying acute and chronic climate risks. Our solutions are customized to address each client’s specific challenges.

  • Evaluate climate models for accuracy and relevance
  • Calculate hazard indices for various climate perils
  • Quantify acute (extreme events) and chronic (long-term) climate risks
  • Collaborate closely with clients to develop tailored, actionable solutions


Climate Model Evaluation


a2s conducts rigorous evaluation of CMIP6 General Circulation Models (GCMs) to support robust climate risk assessments. This includes an extensive meta-analysis of peer-reviewed literature assessing GCM performance across multiple climatic variables (e.g., temperature, precipitation) and geographic regions.

  • Identification of quantitative metrics capturing critical climate dynamics such as long-term trends, inter-annual variability, and seasonal cycles
  • Development and application of grid-resolved statistical methodologies to evaluate spatial accuracy of GCM outputs against observed climate data
  • Use of multi-criteria ranking algorithms to score GCMs based on their ability to simulate key climate features
  • Design of an ensemble weighting framework that integrates individual GCM rankings into a spatially explicit consensus projection, enhancing model reliability and reducing uncertainty

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a2s

Bangalore, Karnataka, India

+91-080-42032498, +91-900-867-6429

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