Greater Understanding of Risk
Lenders, mortgage security holders, and property equity owners in real estate are giving more scrutiny to climate and catastrophe risks than ever before. A changing climate, significant under-insurance for U.S. earthquake, and dated FEMA flood maps all contribute to climate risks carried by the financial markets.
Understand Default Risk
Work with our experts to produce a risk assessment including loss potential due to uninsured risk from natural perils (earthquake, flood, wildfire).
Improve Loan Underwriting
Improve accuracy and efficiency when evaluating risks from natural perils such as earthquake and flood during loan underwriting with Moody's RMS solutions.
Inform ESG Reporting
Obtain climate metrics, quantify impacts of climate change on physical assets, and influence long-term business strategy.
Unique Insights to Avoid Disaster
Bring the power of probabilistic analytics around climate and catastrophe risk to your business to understand and mitigate the risks.
Mortgage Risk Holders
Determine your exposure to uninsured earthquake risk in existing portfolios of mortgage-backed assets.
Real Estate Investment
Rapidly assess new property acquisition for flood risks to reduce long-term exposure to physical climate risks.
Quickly identify commercial properties exposed to earthquake risk with comprehensive risk screening via API or SiteIQ™.
Sustainable Portfolio Management
Identify the current and future physical risks climate presents to your portfolio.
Portfolio Risk Management
Identify hot spots and portfolio concentrations for uninsured catastrophe risks that could drive systemic risk on a risk- and impact-adjusted basis.
Portfolio Valuation Post-Event
Gain insight into damage impact and disruption to understand the full range of economic consequences from a catastrophic or climate event.
Transfer the earthquake and flood risk from your portfolio of physical assets to traditional insurance or alternative capital markets.
Expert Teams That Understand Catastrophe Risk
Leverage world-class experts in catastrophe risk, financial and property risk management, and disaster preparedness analytics.
Assess a location’s risk to multiple perils, loss potential, and key third-party insights in seconds with this application.
Tap into insights on conditions, circumstances, or situations that make a loss more likely to inform underwriting decisions.
Quantify both affirmative and silent cyber risk to take advantage of market opportunity with the Moody's RMS probabilistic cyber catastrophe risk model.
Make better risk-based decisions with loss metrics for property and workers’ compensation lines using industry-leading terrorism models.
Data Where It Really Matters
Deeper location insights at the point of decision-making leads to a more profitable business. In today’s challenging market conditions, access to quality data has never been more important.
Sierra Ltd. – Parametric Mortgage Risk Transfer
Earthquake can lead to widespread mortgage defaults. As borrowers hand back keys for destroyed properties, lenders are left with no possibility to recover their losses. Moody's RMS analytics and expertise on parametric risk transfer enabled a large investor in U.S. mortgage-related securities to transfer a layer of this risk to the capital markets, through a first-of-its-kind catastrophe bond issuance, Sierra Ltd.
Screening for Flood Risk During Property Acquisition
A leading commercial real estate company has taken a strategic decision to invest in properties that will continue to be viable over a 30-year period. Focusing on flood, Moody's RMS data and tools enabled the entity to assess risk on a site-by-site basis and only acquire properties with low flood risk.
Seismic Risk Screening During Loan Underwriting
A commercial lender wanted to improve its loan underwriting process to consider seismic risk to multi-family properties. Using Moody's RMS products, the lender built out a process to rapidly screen properties at risk for loss due to an earthquake event.
Understanding a Utility Portfolio’s Exposure to Wildfire Risk
An investment firm wanted to understand the risk U.S. wildfire posed to its utility's investments. Moody's RMS computed county-level loss amounts from fire. The investment firm utilized this data to determine the utility company’s exposure to wildfire risk.
Uncovering Environmental Risks: The Data Challenge
Environmental risks are coming under increasing scrutiny by lenders, mortgage security holders, and property equity owners. This is driven by a number of factors including climate change, insufficient insurance coverage and increased building in high-risk areas.
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