Compliance & Risk
Translate climate peril into investor-ready numbers
Bond investors, insurers and rating agencies have moved beyond flood maps—they’re asking for climate-adjusted revenue forecasts and transparent methodologies. Traditional hazard vendors stop at physical risk scores, while finance teams are left guessing at the dollar impact. CivicIQ closes that gap by fusing parcel-level peril data with live card-spend, lodging and CRIOS™ multipliers, producing auditable fiscal-risk reports in days, not quarters.
ESG / Climate-Risk Disclosure
Regulations mirror TCFD, yet most municipalities lack the models. Our tech generates a complete, investor-ready PDF: climate scenarios, revenue deltas, adaptation notes—backed by a ProofPack audit trail.
Why it’s different
Carbon-Adjusted Tax Forecasting
Physical risk means volatile sales and lodging taxes. We project 10-year revenue curves under heat, flood and fire scenarios, helping treasurers stress-test budgets and inform capital planning.
How It Works
Fiscal-Risk API for Underwriters
Insurance carriers want exposure curves they can ingest directly. Our API streams county-level output, earnings and tax loss probabilities—refreshed weekly with CRIOS™.
Ingest peril scores (CMIP6, FEMA, or First Street) plus live economic signals.
Model carbon-adjusted revenue using weekly CRIOS™ multipliers.
Package results in a template aligned to TCFD and forthcoming muni-bond guidance.
Verify with ProofPack—sources, timestamps, model checksum—ready for auditors.
Most climate-risk tools stop at property loss; CivicIQ goes further, converting peril into dollar-based revenue forecasts that treasury, rating advisors and insurers can trust. Powered by live data and weekly CRIOS™ multipliers—and delivered with an embedded audit trail—the Compliance & Risk Suite turns climate talk into finance-grade action in a matter of days.