Top 10 Best Climate Risk Software of 2026

Climate X is a leading climate risk analytics platform that delivers high-resolution, property-level assessments of physical climate hazards such as flooding, wildfires, storms, heat, and coastal risks, alongside transition risks like policy and market shifts. It enables users to quantify current and future risks across global portfolios using probabilistic modeling under multiple IPCC scenarios. The platform integrates seamlessly with enterprise systems for insurance underwriting, lending decisions, and real estate management.

Cervest (cervest.earth) is an AI-powered climate intelligence platform specializing in hyper-local physical climate risk analytics. It provides probabilistic forecasts, scenarios, and insights for hazards like floods, droughts, heatwaves, fire, and wind at resolutions down to 10m x 10m, enabling precise risk assessment for assets, portfolios, and supply chains. The Earth Scan OS integrates vast datasets and machine learning to deliver actionable intelligence for strategic decision-making in a changing climate.

RMS (Risk Management Solutions) is a leading provider of probabilistic risk modeling software focused on natural catastrophes, including climate risks like hurricanes, floods, wildfires, and earthquakes. The platform enables insurers, reinsurers, and financial institutions to assess portfolio-level exposures under current and future climate scenarios. It integrates high-resolution hazard models with vulnerability and financial impact analytics for precise risk quantification and decision-making.

Everstorm is a climate risk analytics platform specializing in high-resolution, property-level assessments of physical climate hazards such as floods, wildfires, hurricanes, heatwaves, and over 100 others. It provides current risk data alongside future projections to 2100 under multiple IPCC scenarios, enabling users to visualize risks via interactive maps, generate reports, and integrate via API. Targeted at real estate, insurance, lending, and investment sectors, it supports underwriting, portfolio screening, and resilience planning.

One Concern is an AI-powered climate risk intelligence platform that delivers granular assessments of physical risks including floods, wildfires, earthquakes, sea-level rise, and extreme heat using physics-based simulations and machine learning. It enables users to evaluate risks at the asset, portfolio, or community level through interactive dashboards, APIs, and scenario modeling for resilience planning. Primarily targeted at enterprises in insurance, real estate, infrastructure, and government, it provides forward-looking risk forecasts up to 2100 under various climate scenarios.

Verisk, through its RMS platform, delivers industry-leading climate risk modeling software that assesses physical risks from extreme weather events like hurricanes, floods, wildfires, and droughts, incorporating long-term climate change projections. The tool uses vast proprietary datasets, AI, and stochastic simulations to provide probabilistic loss estimates for properties, portfolios, and supply chains. It supports insurers, reinsurers, and financial institutions in underwriting, pricing, reserving, and regulatory reporting such as TCFD and IFRS 17.

Tomorrow.io is an AI-driven weather intelligence platform delivering hyper-local, minute-by-minute forecasts and nowcasts via proprietary radar and satellite data fusion. As a climate risk solution, it provides physical climate risk analytics, modeling hazards like floods, storms, heatwaves, and precipitation across global assets, supply chains, and properties under various IPCC scenarios. Users can integrate this data into enterprise risk management workflows for proactive decision-making.

Fathom (fathom.global) is a climate risk analytics platform specializing in scenario-based modeling of physical risks (e.g., floods, wildfires, hurricanes) and transition risks (e.g., policy, technology shifts) for assets and portfolios. It leverages high-resolution climate data and hazard models aligned with IPCC, NGFS, and regulatory frameworks like TCFD and ECB stress tests. Primarily targeted at financial institutions, it enables granular risk assessment, portfolio screening, and compliance reporting.

Zesty.ai is an AI-powered climate risk analytics platform designed primarily for the property and casualty insurance industry, providing hyper-local risk scores for perils like wildfire, flood, wind, hail, and heat at the individual property level. It leverages machine learning models trained on satellite imagery, weather data, and historical claims to deliver precise underwriting, pricing, and portfolio management insights. The tool helps insurers quantify and mitigate climate-related exposures amid increasing frequency of extreme weather events.

ClimateCheck is a climate risk analytics platform specializing in physical climate risks for properties and portfolios across the US. It assesses hazards like floods, wildfires, hurricanes, extreme heat, precipitation, wind, and sea level rise using high-resolution climate models and AI-driven projections. The tool provides property-level scores, interactive dashboards, API access, and reports tailored for real estate, insurance, lending, and investment decisions.