Use cases /
Price climate risk

Price climate risk at the asset level

Ambee gives you hyperlocal, timestamped climate data across wildfire, natural disasters, and weather so exposure can be scored, modeled, verified, and monitored at the asset level.

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The cost of underpriced climate risk

Risk models built on historical averages are losing ground. Wildfire boundaries shift, flood zones expand, and severe weather intensifies in areas previously considered stable. Portfolios priced on yesterday's data carry tomorrow's losses.

$280 billion
Natural disasters caused around $280 billion in losses in recent years. A significant portion went uninsured.

Swiss Re Institute, 2024

78%
of organizations have already been hit by climate-related impacts, but only 38% conduct a full risk analysis.

Marsh, 2025

63%
Of the natural catastrophe losses in 2024 went uninsured, leaving $263 billion in economic damage uncovered

Gallagher Re, 2025

Ambee brings climate exposure down to the asset level.

The infrastructure layer for climate-aware operations

Evaluate how climate exposure impacts assets, claims, and portfolio performance with geospatially resolved risk intelligence..

Score assets by climate exposure

Most risk scoring still operates at the zip code, where localized exposure patterns are often lost. Ambee helps insurers assess wildfire proximity, flood history, and severe weather exposure at the exact lat/lon of an insured asset.

More accurate risk scoring
Improved pricing confidence
Reduced exposure misclassification

Model how climate scenarios affect financial performance

Ambee combines long-term disaster baselines with event-specific severity data and forward-looking forecasts to support more dynamic scenario modeling.

Stronger climate risk projections
Improved capital planning
Better-informed underwriting strategies

Verify what happened at the time and place of a loss

Claims decisions depend on knowing exactly what occurred at a specific place and time. Ambee provides timestamped environmental records across wildfire, weather, and natural disasters with severity data and geospatial boundaries tied to reported losses.

Faster claims validation
Reduced fraud and leakage
Improved claims accuracy

Track how risk is shifting across a portfolio

A portfolio that looked well-distributed two years ago may now carry significant exposure. Ambee helps insurers continuously monitor hazard exposure across portfolios and identify concentrations before they materialize into losses.

Reduced concentration risk
Improved portfolio visibility
Earlier risk mitigation

Ambee data that powers more accurate climate risk pricing and exposure management

Weather

Delivers all core meteorological and atmospheric parameters, including many derived fields

Ambee Weather API

Wildfire

Wildfire activity and behavior with radiative power, fire categories, and forward-looking risk forecasts

Ambee Wildfire API

Natural Disasters

Covers all major disasters in a geospatial format with severity levels and event metadata

Ambee natural disaster API
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Get the coverage, resolution, and depth to price climate exposure
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