Portfolio analytics
Portfolio climate risk assessment for property portfolios
HOMAI analyses every building in your property portfolio with the same roof and climate method, then sums up the latest results by risk band. You see where risk concentrates and which buildings to look at first.
What is portfolio climate risk assessment for property?
Portfolio climate risk assessment for property means running the same building-level assessment across every property you own, manage, insure or finance, and comparing the results on one scale. It is about buildings, not investment funds.
In HOMAI, each property gets a roof risk index, a climate score built from flood, landslide, precipitation and storm exposure, and an overall property score that combines the two. Every building is scored by the same deterministic formula with the same weights, so a High in Bergen and a High in Tromsø were reached the same way. The portfolio view then summarises the latest analysis of each property.
Portfolio analytics is part of the HOMAI platform. The roof half of every score comes from HOMAI roof analysis, so a property portfolio risk analysis in HOMAI looks at both the roof and the location of every building.
How do you load a portfolio into HOMAI?
There are three ways to bring properties in, and they can be combined. Then the analyses run.
Import a property list
Administrators can import properties from a CSV file, so an existing register of addresses becomes a portfolio without typing each one in.
Add single addresses
Search for an address or click a building on the map. Analysed properties appear as pins on the portfolio map.
Draw an area
Outline the property on the map when an address search is not the easiest way to find it.
Run the analyses
Each analysis runs as a background job and can take minutes. Results that are already cached return faster.
What does the portfolio view show?
The portfolio view gives you portfolio intelligence on buildings rather than securities: key figures over the latest analysis of each property. It answers the first two questions anyone responsible for a building stock asks: how many properties sit in each risk band, and which ones are at the top.
| Risk band | Overall property score | Suggested first step |
|---|---|---|
| High | 70 or more | Open the report and check which factors drive the score and how confident the data is |
| Medium | 40 to 69 | Look for one dominant factor, such as a flood band or visible roof defects |
| Low | Below 40 | Keep the property in the normal cycle and run a new analysis when something changes |
Behind the key figures sit the map with every analysed property pinned, the analysis history of each property and the full report for every building. Administrators control users, roles, categories and per-user access, so each team can work with the properties it is responsible for.
How do you decide which properties to inspect first?
A portfolio climate risk analysis is only useful if it tells you where to act. Start with the High band and the properties at the top of the list. Then open each report and read why it scored as it did:
- Climate or roof? By default the overall score weighs the climate score at 0.6 and the roof risk index at 0.4. The factor table shows which side drives the result.
- Which factor? A high flood band, visible defects, an early building year (byggeår) or many roof penetrations each call for a different follow-up.
- How sure is the data? Every value carries a source label and a confidence from 0 to 1. Low confidence, counts marked "~N" and a "Roof not yet assessed" banner point to gaps that a visit on site should close.
Each report also includes recommendations and a maintenance plan built from the same data. HOMAI narrows down where to look; the inspection itself still happens on site. How confidence and source labels work is explained under data sources and methodology.
What does the portfolio view not do?
- No alerts or continuous monitoring. Analyses run on demand, per address. The key figures cover the latest analysis of each property; to update a property, run its analysis again.
- No money figures. There is no loss, repair-cost or property-value model, so the view ranks risk but does not price it.
- No investment analytics. It covers buildings and their physical risk, not returns, valuations or fund allocation.
- No instant results. A full analysis can take minutes per property.
- Norway only. Every official data source behind the scores is Norwegian.
Who uses portfolio analytics?
For banks and lenders
See the risk bands across the loan book and find the collateral properties with the highest climate and roof exposure.
For insurers and underwriters
Review the book of business by risk band and pick out the addresses that deserve a closer look.
For property managers and housing associations
Rank the building stock so inspections and maintenance start where the scores are highest.
For real-estate investors
Compare assets on one scale, with the same data sources, before and after an acquisition.
Book a demo
See your own properties by risk band
We walk through the portfolio view with properties you choose.
Frequently asked questions
- Can I import my existing property list?
Yes. Administrators can import properties from a CSV file, so an existing address register becomes a portfolio without entering each address by hand. Single properties can also be added by address search, a click on the map or a drawn area. Every property is then analysed with the same method as a single report.
- Does HOMAI alert me when the risk of a property changes?
No. HOMAI does not send automated alerts or monitor properties continuously. Analyses run on demand, and the portfolio key figures summarise the latest analysis of each property. To refresh a building, run its analysis again; the analysis history of the property keeps the earlier results, so you can see what changed.
- How are the risk bands defined?
The bands use the overall property score, which by default combines the normalised climate score (weight 0.6) and the roof risk index (weight 0.4). Below 40 is Low, 40 to 69 is Medium, and 70 or more is High. The weights are defaults that can be tuned per deployment, and every report prints the formula with the values used.
- Can different teams see different properties?
Yes. Administrators control users, roles, categories and per-user access in the dashboard. You can, for example, give a regional team access to its own properties while a central risk team works with the whole portfolio. The scoring method stays the same whoever looks at the property.
- Is this the same as investment portfolio analysis?
No. HOMAI looks at physical buildings: roof condition, exposure to flood, landslide, precipitation and storm, and the data behind each value. It does not analyse returns, valuations or fund allocation, and it has no model for property value or losses in kroner. Use it next to your financial tools, not instead of them.