Terra Intelligence

Terra CVaR™

Climate Value at Risk — three-layer cascade model. Gross Climate Exposure · Insurance-Adjusted Owner Cost · Investment Impact.

Version 4.0

5 Scenarios · 30-Year Horizon

UKCP18 · TCPS · MSM · Double-Count Eliminated

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Postcode Lookup

Postcode

Property Details

AddressCurrent Value (£) *Property TypeFloor LevelBuild YearConstruction TypeEPC RatingOccupant TypeOccupancy (Tenure Status)

Affects Flood Re eligibility, not Occupant Type above: a landlord's buildings policy on a tenanted property doesn't qualify for Flood Re's fixed £250 excess, regardless of build year. Left unspecified, this defaults to not-eligible rather than assuming owner-occupation.

Hazard Data

EA Flood Zone

Leave as "No flood zone" to auto-detect from the EA Flood Map for Planning using postcode

Soil TypeCoastal RiskDistance to Coast (metres)

Leave blank if inland property

Prior Flood Events

Financial Inputs

Monthly Rent (£)Mortgage Balance (£)Current LTV (%)Analysis Horizon

Existing Resilience Measures

Flood doors installed

Airbrick covers fitted

Drainage works done

Raised electrics

Heat adaptation measures

Terra CVaR™ v4.0

Three-layer cascade model eliminating double-counting. Reports Gross Climate Exposure and Investor CVaR separately. Includes TCPS, MSM, Climate Awareness Curve and Terra Decision Intelligence.