Know Your Portfolio's Climate Risk Before Regulators Do
Property-level climate risk scores for every loan in your portfolio. Built on FEMA, NOAA, and USFS data. Delivered in days, not months.
Property Risk Assessment
4521 Bayshore Blvd, Tampa FL
Composite Score
The Problem
Climate risk is the #1 emerging threat to bank loan portfolios, and most lenders are flying blind.
Floods, wildfires, hurricanes, and rising sea levels are destroying property values and driving up defaults. Regulators are demanding action. But most banks lack the data and tools to assess which loans are at risk.
OCC Bulletin 2023-17: Climate-Related Financial Risk
The OCC now requires banks with over $100B in assets to integrate climate risk into their risk management frameworks. Mid-size and community banks are next. The time to prepare is now, before it becomes a requirement, not a recommendation.
The Solution
Climate risk scoring built for lenders, by lenders.
LendRisk analyzes every property in your portfolio against five climate hazards (flood, hurricane, wildfire, sea-level rise, and extreme heat) using data from federal agencies.
You get a clear, actionable score for every loan, so you can make better decisions about pricing, concentration, and regulatory compliance.
5
Climate Hazards
6
Federal Data Sources
24hr
Turnaround Time
0
PII Required
2,847
Total Loans
312
High Risk
891
Medium Risk
1,644
Low Risk
Risk Distribution by Hazard
| Address | Score | Risk | Top Hazard |
|---|---|---|---|
| 4521 Bayshore Blvd, Tampa | 67 | Medium | Hurricane |
| 1200 Ocean Dr, Miami Beach | 89 | High | Sea Level |
| 820 Pine Ridge Rd, Reno | 71 | Medium | Wildfire |
| 345 Maple St, Burlington | 18 | Low | Flood |
How It Works
Three steps. No integration required.
Upload Your Portfolio
Send us a list of property addresses. That's all we need. No SSNs, no loan amounts, no PII. Just addresses in a CSV or Excel file.
We Score Every Property
Our engine cross-references each address against six federal datasets to calculate flood, hurricane, wildfire, sea-level, and heat risk scores.
Get Your Risk Report
Receive a comprehensive report with per-property scores, portfolio concentration analysis, trend projections, and a board-ready executive summary.
What You Get
Everything you need for climate risk compliance.
Per-Property Risk Scores
A 0–100 composite score for each property across five climate hazards, with individual hazard breakdowns and risk tier classification.
Concentration Heat Map
See where your portfolio risk is concentrated geographically. Identify clusters of high-risk loans before they become losses.
Trend Projections
Forward-looking risk trajectories based on climate models. See how your portfolio's risk profile changes over 5, 10, and 30-year horizons.
Board-Ready Report
Executive summary with key findings, risk distribution, regulatory alignment assessment, and recommended actions. Ready for your board.
Use Cases
Built for the institutions that need it most.
Community Banks
Banks with $1B–$50B in assets
You don't have a climate risk team, and you shouldn't need one. LendRisk gives you the same analytics the big banks use, delivered as a simple report. Stay ahead of OCC expectations without building internal infrastructure.
No team required. Instant compliance readiness.
Private Credit & CRE Funds
Bridge lenders, DSCR, and CRE investors
Your investors are asking about climate exposure. Your insurance costs are climbing. LendRisk scores your collateral properties so you can price risk accurately and report to LPs with confidence.
Score collateral. Satisfy LP diligence.
Non-QM & Specialty Originators
DSCR, fix-and-flip, and non-QM lenders
You're originating in high-risk geographies. LendRisk helps you screen properties at origination, adjust pricing for climate exposure, and avoid concentration in the next disaster zone.
Screen at origination. Price smarter.
Our Data
Federal data. No black boxes.
Every score is traceable to authoritative federal sources. We don't use proprietary models with hidden assumptions. We use the same data regulators trust.
Federal Emergency Management Agency
Flood zones, disaster declarations, National Flood Insurance Program
National Oceanic & Atmospheric Administration
Hurricane tracks, storm surge models, sea level rise projections
United States Forest Service
Wildfire risk potential, burn probability, flame length models
National Aeronautics & Space Administration
Climate model outputs, temperature projections, satellite imagery
United States Geological Survey
Elevation data, landslide susceptibility, geological hazards
All data is sourced from publicly available federal datasets. Our methodology combines geospatial analysis with property-level resolution for maximum accuracy.
About
Built by people who understand lending.
Chen Avnery
Founder & CEO
Former engineering leader at Pagaya Technologies, where he built data infrastructure processing millions of loan records for AI-driven credit decisions. Chen brings deep expertise in financial data engineering, risk modeling, and the intersection of climate science and lending.
0+
Years in fintech data engineering
0M+
Loan records processed
0.99%
Data quality score
0
Federal data sources integrated
Get Started
See your portfolio's climate risk.
Request a demo and we'll show you what climate risk looks like for your specific portfolio.