Proactive climate risk management for a resilient housing stock
With escalating regulatory demands and the tangible threat of physical climate risks, proactive risk management is essential.
Cotality offers the comprehensive data and analytics you need to move beyond reactive management and build a truly resilient, high-performing housing stock.
This article considers why - and how - physical climate risks should be managed alongside Decent Homes, minimum energy efficiency standards and more business-as-usual housing portfolio risks.
Why climate risk is a pressing priority
Physical and transition risks from climate change pose significant threats to the housing portfolio management:
- Physical Risks: Increased frequency and severity of extreme weather events - including surface water flooding, overheating, and subsidence - lead to higher maintenance costs, insurance liabilities, and resident disruption.
- Transition Risks: Evolving government regulations, such as future Minimum Energy Efficiency Standards (MEES) and Net Zero targets, create a risk of stranded assets and substantial compliance costs.
Cotality provides the clear, granular, and actionable intelligence to transform these risks into strategic investment opportunities.
But we have noticed that the housing sector is focussed on the transition, not on understanding or managing physical risks.
By incorporating climate risk data into housing stock analysis, owners and their agents can:
- Understand and manage exposure
- Spot opportunities for smarter upgrades
- Make informed investment decisions
- Meet ESG and other reporting requirements
Our Climate Risk Scores, available today at the property level for landlords, lenders and local authorities, help you stay ahead.
Go beyond regional data. The analysis layers your property data with climate risk data, with flexible and powerful reporting for you to develop actionable insights across your portfolio:
- Flood Risk: Detailed analysis of exposure to river, coastal, and, crucially, surface water flooding.
- Subsidence: Data-driven predictions to identify assets most at risk from soil moisture changes due to extreme weather.
- Overheating Risk: Model the likelihood of overheating for individual properties, and layer with your own data on vulnerable households to target adaptation.
- Coastal Erosion: Identify properties at risk of being lost or undermined due to accelerated sea level rise and coastal retreat.
- Wind, Hail, and Wildfire: Assess the risk profile for catastrophic and costly damage events. This includes:
- Wind: Modelling of expected high-wind speeds and associated risk of structural damage to roofs and external cladding.
- Hail: Analysis of regions susceptible to high-intensity hailstorms, which can damage insulation and solar installations.
- Wildfire: Prediction of asset exposure to ignition risk, particularly critical for properties near moorland, grassland, or urban green spaces, informing fire-safe material choices and landscaping management.
Ready to future-proof your portfolio?
Cotality has a digital twin of every home, offering the data and intelligence to navigate this complex landscape with confidence.
Contact us today to request a free demonstration and see your entire portfolio through the lens of climate resilience.
