Real estate-grade climate intelligence company Climative Launch has launched a new insurance-focused platform designed to help insurers communicate climate risks to homeowners in a clearer, more practical way.
The company, which specializes in turning complex environmental data into property-specific insights, said the platform is designed to support insurers and homeowners in more effectively combating growing climate threats.
The news comes as insurers and reinsurers across North America grapple with rising losses from wildfires, floods and severe storms.
According to NOAA, natural disasters caused approximately $140 billion in insured losses globally in 2024, with the United States alone recording 27 separate $1 billion events totaling $182.7 billion. As the frequency and cost of these events increase, insurance companies are under increasing pressure to assess and manage personal property risks.
Climative Launch’s platform provides address-level climate risk insights, along with clear, tailored adaptation plans for each property. By converting complex data sets into simple guidance, the company aims to help insurance companies better understand their risk exposure while providing homeowners with practical ways to reduce risk.
Unlike other providers that focus solely on risk scores, Climative Launch emphasizes making climate data useful and accessible. Its approach combines transparent modeling with actionable recommendations, encouraging more collaborative relationships between insurers and homeowners. The platform identifies property upgrades that can reduce climate exposure, while also highlighting opportunities to reduce energy costs, helping to make improvements more economically viable.
Through this model, Climative Launch treats climate risk not just as a pricing issue, but as an opportunity to prevent, add value and enhance trust between insurers and their customers. The platform was built to deliver tailored adaptation plans, allowing for more meaningful engagement with homeowners and ensuring the underlying data is clear and interpretable.
The system also allows insurance companies to consolidate their own data input, and Climative Launch works to turn that information into practical, homeowner-focused recommendations. Features include address-level hazard ratings, portfolio analysis that identifies risk concentrations, and detailed adaptation plans for each property. Insurers can also offer co-branded homeowner portals to increase engagement, as well as planning tools that tie resiliency upgrades to energy savings, comfort and emissions reductions.
The platform can be deployed in a variety of ways, whether as an internal analytics tool, a customer engagement solution or as part of a wider climate adaptation strategy. Climative Launch notes that the technology builds on early deployments in Canada and the northeastern United States and is already being used by banks, utilities and public sector projects.
“Our goal is to provide insurers with a way to reduce risk while building trust with policyholders,” said Winston Morton, CEO of Climative. “We help operators go beyond identifying climate risk to truly addressing it, while providing homeowners with clear steps to protect their homes.”
As regulatory scrutiny and pressure on reinsurers continues to mount, insurers are increasingly expected to demonstrate transparency and meaningful risk reduction.
“Climate risk puts real financial pressure on insurance companies,” Morton added. “They need tools that not only simulate risk but also help reduce risk in the real world.”
