Climate Risk
Description
Local Logic's Climate Risk data provides forward-looking, science-based risk ratings for a location across key climate hazards — heat, precipitation, wildfire, drought, flood, and (in the US) wind — across the United States and Canada. Ratings run 0–100 and reflect projected conditions through 2050, so homeseekers and agents can weigh long-term climate exposure alongside other location factors.
The hazards
Each hazard is rated independently.
| Hazard | What it measures |
|---|---|
| Heat | Increases in extreme heat and heat stress — the number of extremely hot days per year and their severity. |
| Precipitation (displayed as "Storm" in the reports) | Changes in heavy-rainfall intensity — the number and size of extreme wet events. |
| Wildfire | Probability and severity of burn events, including peak fire-spread ("fire weather") conditions. |
| Drought | Water-supply stress relative to usage. |
| Flood | Probability and depth of flooding — coastal, storm-surge, riverine, and surface (pluvial) flooding. |
| Wind (US only) | Probability and severity of high-wind events. |
How to read the rating
Each hazard is scored 0–100, relative to Local Logic's coverage area, in five bands:
| Rating | Band |
|---|---|
| 0–19 | Relatively Low |
| 20–39 | Significant |
| 40–59 | High |
| 60–79 | Very High |
| 80–100 | Extreme |
Climate Risk uses a 0–100 scale. This is different from Location Scores, which are returned 0–5 (displayed 0–10). Don't treat a Climate Risk rating as a Location Score.
Time horizon
Ratings reflect projected conditions through 2050 — approximately the term of a standard 30-year mortgage. Projections are modelled under moderate and high greenhouse-gas emissions scenarios, representing a range of possible futures.
Coverage
Available across the mainland United States (excluding Alaska & Hawaii) and Canada at the address level. Coverage is not identical across hazards and countries — the main differences to know:
- Wind is available in the United States only.
- Flood coverage in Canada reflects surface (pluvial) flooding only; US flood modelling also includes coastal, storm-surge, and riverine flooding.
- Drought is modelled differently in each country, so US and Canadian drought ratings aren't directly comparable.
- Heat ratings exclude Canada's northern territories (Nunavut, Northwest Territories, Yukon).
How this is calculated
For each hazard, the frequency and severity of extreme events are modelled — historically and projected through 2050 — from internationally accepted climate models and government datasets, and expressed as a 0–100 rating relative to the coverage area. Ratings describe the location's hazard exposure, not an individual building.
How to access Climate Risk
Climate Risk is available through Local Logic's Neighborhood Lifestyle Report, where it's rendered for you. For direct data access, contact Local Logic.
How this is calculated
What it measures — and what it doesn't. Climate Risk rates a location's projected exposure to climate hazards through 2050, on a 0–100 scale (not the 0–10 Location Scores scale). For each hazard, the frequency and severity of extreme events are modelled from internationally accepted climate models and government datasets. It is a relative hazard rating — not an insurance price or a site-specific survey.
Updated. As the underlying hazard models are refreshed.
Coverage. US and Canada; wind risk is US-only, and some hazards differ by country — see the Climate Risk page.
Frequently asked questions
Where is Climate Risk data available?
Across the contiguous United States (excluding Hawaii & Alaska) and Canada, at the address level. Some hazards differ by country — wind is US-only, Canadian flood coverage reflects surface flooding only, drought is modelled differently in each country, and heat excludes Canada's northern territories.
What scale are the ratings on?
Each hazard is rated 0–100 (five bands from Relatively Low to Extreme), relative to Local Logic's coverage area. This is not the 0–10 Location Scores scale.
What time period do the ratings cover?
Projected conditions through 2050, modelled under moderate and high emissions scenarios.
Does Climate Risk include wind or hurricane risk?
Wind risk is available for locations in the United States. Hurricane risk is not currently offered as a separate rating.
Why do the reports show a "Storm" rating?
"Storm" is the display name used in Local Logic reports for the Precipitationhazard — the same underlying rating.
What Climate Risk does and doesn't tell you
Ratings are projections, not guarantees, and are relative to Local Logic's coverage area rather than absolute probabilities for a specific structure. They describe hazard exposure for a location — they do not price insurance, assess an individual building's construction or mitigation, or replace a site-specific engineering or flood survey.
Related: About our Data · Location Scores