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A Need for Action

For more than 20 years, RMS has worked with partners and stakeholders to understand how climate change affects perils and regions around the globe and to progress toward solutions that quantify the physical risk of climate change. Building a more resilient world is the essence of the RMS mission. By demystifying the risks of climate change, we are committed to helping organizations of every type factor these consideration into their strategic outlook with Climate Change Models, data, and analytics.

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Insurance Losses

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Regulatory Reporting

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Supply Chain

Coverage Gaps

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Asset Devaluation

Reduce Insurance Losses

Improve risk selection with climate change risk models that reflect the latest scientific consensus on the impact of climate change on perils today. Build an understanding of climate change with the new RMS Climate Change Models.

Solve Compliance Challenges

Demonstrate your understanding of climate change impacts for your investors and rating agencies with climate risk modeling insights. Simplify reporting for new and emerging risk profiles, stress tests, and climate-related regulation.

Strengthen Supply Chain Resiliency

Understand vulnerability to your supply chain and mitigate risk of future disruption as increasing severity of regional extreme weather events can now disrupt entire global logistics networks.

Close the Protection Gap

Grow your business by understanding the complex relationship between greenhouse gas emissions and extreme weather events. Leverage climate change risk modeling for new growth opportunities.

Invest Smarter

Make better real estate decisions by using climate risk modeling to understand the impact of climate change on long-term asset depreciation and identify strategies to enable reductions in risk.

Climate Change Client Initiatives

RMS uses historical climate data, including precipitation, sea levels, weather patterns, impact on coastlines, and storm intensities and frequency to inform our leading-edge stochastic modeling. Find out how others have partnered with RMS to respond to the growing risk of climate change.

Optimize Portfolio Risk with QBE
Optimize Portfolio Risk with QBE

QBE leverages climate risk analytics to evaluate climate-related risks and opportunities to their business.

Smart City Planning with Broward County
Smart City Planning with Broward County

Mitigate future flood risk by analyzing the impact of rising global temperatures, storm surge, and the average annual loss.

Strategic Infrastructure Investments with the DelDOT
Strategic Infrastructure Investments with the DelDOT

Calculate the risk of sea level rise to the Delaware Department of Transportation's public infrastructure network.

Managing Risk as Our Climate Changes

Managing Risk as Our Climate Changes

The effects of climate change aren’t just reshaping our physical world. They are also disrupting the market in profound ways. Our new Climate Change Models extend our industry-leading, comprehensive catastrophe models to empower you to address the near and long-term challenges posed by climate change.

Climate Change Models
A Growing Threat

Responding to the Threat

Responsible organizations want to know their exposure to climate change risk. There is an urgent need to assess and quantify the extent of the rising physical risk caused by climate change – how much it has already changed, what will happen in the future, and how such risks are being priced. With stakeholders such as regulators, investors, and customers, all requiring answers, RMS can help. Our climate change risk analytics practice helps clients translate climate change science into a competitive advantage with regulatory and business consulting services.

Meet With a Climate Expert

Our Progress

RMS has strong, long-standing partnerships with a wide range of organizations around the world, as we contribute our risk model experience and expertise to this ongoing conversation.

Climate Change - Europe Flood


European Flood and Climate Change

RMS examines how flooding and its impact in terms of physical damage and losses will change across Europe as a result of climate change. Learn More

Climate Change


Meeting Stress-Test Challenge

With the U.K. PRA regulator introducing stress tests for climate change scenarios, RMS helps clients to meet the challenge. Learn More



Climate Change and Wildfire

As wildfires rage in California, RMS discusses how climate change has impacted the state to create conducive conditions. Learn More



Stress Test for Drought

A new drought stress-test tool devised by RMS is launched by the Natural Capital Alliance. Learn More

Natural Defenses


Natural Defenses

The value of natural defenses to mitigate sea level rise is highlighted in a joint RMS, Lloyd's, and Guy Carpenter report. Learn More

San Francisco


Sea Level Rise in San Francisco

RMS helps the City of San Francisco develop a Sea Level Rise Action Plan revealing the city had $77 billion of property at risk. Learn More

Rockefeller Foundation


Resilience Bonds

Working with the Rockefeller Foundation, RMS examined how resilience bonds could help to fund mitigating infrastructure projects. Learn More

Sea level Threat


Sea Level Rise Threat to U.S.

RMS partners with Risky Business to publish a report revealing the risk of sea level rise to eastern U.S. coastal regions. Learn More

Light House


Role of Modeling

RMS contributes to a Lloyd's report entitled Catastrophe Modeling and Climate ChangeLearn More

IPCC Report


IPCC Report on Extremes

Robert Muir-Wood, chief research officer for RMS, is a lead author for the 2011 IPCC Special Report on Extremes.

Resilient Coasts


Resilient Coasts

RMS becomes a partner of the Resilient Coasts Initiative. Learn More

Coastal Flooding


Examining Coastal Flooding

RMS works with Lloyd’s to publish Coastal Communities and Climate Change report looking at the impacts of coastal flooding by 2030 in high-risk areas.

Fourth IPCC Report


Fourth IPCC Report

Robert Muir-Wood, chief research officer for RMS, is a lead author on Insurance, Finance, and Climate Change for the fourth IPCC report.

North Atlantic Hurricane


Medium-Term Rates

RMS introduced medium-term rates for North Atlantic hurricane to capture recent trends in hurricane activity.


Decline of the extent of Arctic Sea ice per decade since 1979



Six warmest years on record


3.3 Millimeters

Global annual average sea level rise since 1993



Global temperature increase since 1880


Up to 10%

Increase in tropical cyclone intensities globally for a 2°C global warming


News and Insights

Crossing the Climate Change Chasm with RMS

Watch Joss Matthewman’s presentation at this years RAA event, Cat Risk Management 2021. Of the $1.42 trillion in losses from larger events due to climate perils over the last 30 years, 41% have occurred in the last five. Despite recognizing climate change risk, (re)insurers still struggle with how to properly adapt their business models to this new reality. See how RMS has incorporated the latest scientific climate change research into its catastrophe…

Urban flooding
Modeling the Economic Impact of Climate Change

For everyone working in risk management, there is an implicit understanding about the wider mission underlining our work: to help create a more resilient world. But we are trying to build resilience in an era when assessing the physical impacts of climate change has become more challenging. With increasing board-level attention, stakeholder scrutiny, and regulatory pressure, businesses everywhere are struggling to understand the impacts of climate change and…

Florida hurricane
Quantifying Climate Change and Its Uncertainty

The findings of the Fifth Assessment Report (AR5) from the Intergovernmental Panel on Climate Change (IPCC), finalized in 2014, were clear: Human behavior is affecting climate change. The occurrence of extreme climate-related catastrophic events, such as the recent record-breaking wildfire seasons in California (2020) and Australia (2019–20), are reminders of the present-day threat to society from climate volatility. So how can we quantify the many projected…

Flooded street
Bank of England CBES: Five Thoughts on Tackling Climate Change Physical Risk Reporting

The Bank of England’s Climate Biennial Exploratory Scenario (CBES) exercise launches in June, with submissions required by the end of September 2021. Less than four months remain until the official launch, so the Bank of England (BoE) is engaging early with invited insurers and banks to ensure they understand the direction and scope of the assessment. Announced in December 2019, the BoE’s stated objective for the CBES is “to test the resilience of the current…

Sea ice
What’s the “Doubling Time” for Climate Change?

For almost all of us, COVID-19 represented our first experience of a rapidly growing exponential harm. Back in late January 2020, the scariest harbinger of the advancing pandemic was that the numbers of infected and dying were doubling, unremittingly, every three or four days. Projecting out a month or two, without any intervention, fatalities were set to rise into the hundreds of thousands. Everyone has become familiar with the regularly published “R”…

Risk Modeling for the Future

The World Economic Forum (WEF) has celebrated its 50th year at its annual meeting in Davos. Increasingly the business/political nexus has become that articulated in WEF founder Klaus Schwab’s Davos Manifesto, that corporations “… must assume the role of a trustee of the material universe for future generations.” In 2020, “action on climate change” has now become the number one risk in terms of impact in the World Economic Forum’s Global Risk…

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Interested in Deeper Climate Change Risk Modeling?

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