Climative, a property-level climate intelligence firm, has introduced a new insurance-focused platform aimed at helping insurers communicate climate risk to homeowners in a clearer and more practical way.
The company, which specialises in translating complex environmental data into property-specific insights, says the platform is designed to support both insurers and homeowners in responding more effectively to growing climate threats.
The announcement comes at a time when insurers and reinsurers across North America are dealing with rising losses linked to wildfires, flooding and severe storms.
In 2024, natural disasters generated around $140 billion in insured losses globally, while the United States alone recorded 27 separate billion-dollar events totalling $182.7 billion, according to NOAA. As these incidents increase in both frequency and cost, insurers are facing mounting pressure to assess and manage risk at the level of individual properties.
Climative’s platform provides address-level climate risk insights alongside clear, tailored adaptation plans for each property. By converting complex datasets into straightforward guidance, the company aims to help insurers better understand their exposure while giving homeowners a practical route to reducing risk.
Unlike other providers that focus solely on risk scoring, Climative places emphasis on making climate data useful and accessible. Its approach combines transparent modelling with actionable advice, encouraging a more collaborative relationship between insurers and homeowners. The platform identifies property upgrades that can lower climate exposure while also highlighting opportunities to reduce energy costs, helping to make improvements more financially viable.
Through this model, Climative positions climate risk not just as a pricing issue, but as an opportunity for prevention, added value and stronger trust between insurers and their customers. The platform is built around providing tailored adaptation plans, enabling more meaningful engagement with homeowners and ensuring that the underlying data is clear and explainable.
The system also allows insurers to incorporate their own data inputs, with Climative focusing on turning that information into practical, homeowner-facing recommendations. Its features include hazard ratings at the address level, portfolio analytics to identify concentrations of risk, and detailed adaptation plans specific to each property. Insurers can also offer co-branded homeowner portals to improve engagement, alongside planning tools that link resilience upgrades to energy savings, comfort and emissions reduction.
The platform can be deployed in several ways, whether as an internal analytics tool, a customer engagement solution or as part of a broader climate adaptation strategy. Climative notes that the technology builds on earlier deployments across Canada and the northeastern United States, where it has been used by banks, utilities and public sector programmes.
“Our goal is to give insurers a way to reduce risk while building trust with policyholders,” said Winston Morton, CEO of Climative. “We help carriers move beyond identifying climate risk to actually fixing it, while giving homeowners clear steps to protect their homes.”
As regulatory scrutiny and pressure from reinsurers continue to grow, insurers are increasingly expected to demonstrate both transparency and tangible risk reduction.
“Climate risk is putting real financial pressure on insurers,” Morton added. “They need tools that don’t just model risk, but help reduce it in the real world.”
