Physical climate risk assessment for any Norwegian address

A physical climate risk assessment for a building answers one question: how exposed is this building, where it stands, to natural hazards and extreme weather? Physical climate risk covers sudden events such as floods, landslides and storms, as well as slower changes in the climate over many years (see the glossary definition).

HOMAI does this as a desk-based screening for Norwegian addresses. You pick a property by address search, a click on the map or a drawn area. HOMAI finds the building in Matrikkelen, Norway's cadastre, checks its location against public hazard maps, reads weather statistics from the nearest MET Norway station and returns four banded exposures and a climate score.

The climate result is one module of the HOMAI platform. It appears in the same report as the remote roof assessment, but it also stands on its own: when no usable roof imagery exists, the report is delivered as "climate & registry only", with a clear "Roof not yet assessed" banner instead of a guessed roof.

HOMAI assesses four exposures for every analysed address. Each one is banded from 1 to 5, and each band cites the public dataset behind it.

These four are the whole list. Snow load, for example, is not scored. The sections below explain how each hazard is read.

Flood exposure comes from two NVE datasets. Flomsoner are NVE's flood-zone maps, drawn for floods with a given return period. Flomaktsomhet is NVE's flood-susceptibility map, which marks areas that may be exposed to flooding.

HOMAI makes a point-in-polygon lookup: it tests whether the building's location falls inside a mapped flood zone or susceptibility area, and for which return period. The result becomes the flood band. The hazards table in the report cites the NVE dataset behind it, so an underwriter or a credit analyst can open the same layer at NVE and confirm it.

The maps themselves are published by NVE at nve.no. HOMAI does not redraw them or replace them with a flood model of its own; it applies them to one building at a time.

Landslide exposure uses NVE's landslide susceptibility maps (aktsomhetskart). As with flood, HOMAI checks whether the building's location falls inside a mapped area and turns the match into a landslide band from 1 to 5.

A susceptibility map is a screening tool: it flags areas that may be exposed. The landslide band should be read the same way, as a reason to look closer rather than as a forecast.

Next to the band, the report shows the hazard zones (faresoner) and consideration zones (hensynssoner) recorded in the zoning plan for the property, read from Geonorge exactly as they are registered.

Precipitation exposure is based on ten years of observations from MET Norway's Frost API, taken from the weather station nearest the building. HOMAI looks at the highest daily precipitation and the number of heavy-rain days in that period and bands the result from 1 to 5.

Station data describes the local climate around the building, not the conditions on one particular roof. On the roof itself, flat sections and drainage are scored separately as part of the 10 roof risk factors.

Storm exposure uses wind gust statistics from the same Frost API, again from the station nearest the building. A gust is a short peak in wind speed, and gusts are what the storm band is built on.

Like the other three exposures, storm is banded from 1 to 5 and cited in the hazards table of the report.

A climate band means more when you can see the building it applies to. HOMAI adds official context to every report:

• Matrikkelen (Kartverket): building year (byggeår), usable floor area (BRA), floors, building type, gnr/bnr and plot boundary. Official values are used as they are and never re-estimated.
• National height model (LiDAR): ground and surface elevation, building height, slope and aspect, from Kartverket's height data.
• NIBIO AR50: land cover around the property, as background for how water runs off.
• Geonorge: zoning plans with hazard and consideration zones, and a flag when the building is registered in SEFRAK.

The full list of sources, with links and licence notes, is under data sources and methodology. Kartverket, NVE, MET Norway, NIBIO and Geonorge are the providers of this public data; they are not partners of CUATRO and do not endorse HOMAI.

The four bands are combined into a climate score from 0 to 10. The calculation is plain arithmetic in code. The AI model never sets or adjusts it, and the same address, data and weights always give the same score.

1. Four bands: flood, landslide, precipitation and storm, each from 1 to 5.
2. Climate score: the bands combined into one score from 0 to 10.
3. Overall property score: by default, the normalised climate score weighs 0.6 and the roof risk index 0.4. Below 40 is Low, 40 to 69 is Medium, and 70 or more is High.

Climate also appears as one of the ten roof risk factors, with a default weight of 0.05. All weights are defaults that can be tuned per deployment, and the report prints the formula with the actual values filled in. The full method is under how the score is calculated. When you analyse many addresses, the same scores feed the HOMAI portfolio view.

NVE, MET Norway and Geonorge publish their data openly, and anyone can look up a single address. HOMAI uses the same public data. What it adds is the combination, one method for every building and a record of where each value came from. Those are also fair questions to put to any physical climate risk data provider or climate risk software you evaluate.

HOMAI does not have better hazard maps than NVE. Where a map is missing or out of date, the band inherits that gap, and values that cannot be found are shown as "Not assessed" instead of being filled in.

• Transition risk. Risk from policy, market and technology changes on the way to a low-carbon economy is not assessed. See transition risk in the glossary.
• Snow load. Not scored. Roof pitch and flat sections are roof risk factors, not a snow-load calculation.
• Climate scenarios. The bands come from the hazard maps NVE publishes and ten years of observed weather statistics, so they describe exposure today. HOMAI runs no climate projections of its own and is not a complete EU Taxonomy climate risk and vulnerability assessment.
• Money. There is no loss, repair-cost or property-value model. Risk is expressed in bands and scores, not in kroner.
• Site visits. HOMAI is remote screening. It does not replace a physical inspection or a certified condition report (tilstandsrapport).
• Speed and coverage. A full analysis can take minutes, and coverage is Norwegian addresses only.