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      AreaHub Enterprise | Sectors | Lending Institutions

      Make better lending and portfolio risk management decisions with AreaHub: Understand the climate and environmental risks that may impact the properties, assets, or business of your clients.

      $108 Billion

      In 2023, there were $108 billion in global insured losses from natural catastrophes, according to Swiss RE.

      2x more weather events

      Over the past five years, the annual average of billion-dollar extreme weather events has more than doubled, according to Yale Climate Connections.

      $92.9 billion

      In 2023, there were 28 billion-dollar weather and climate disasters in the US that cost a total of $92.9 billion. Since 1980, The U.S. has sustained 396 weather and climate disasters where overall damages/costs reached or exceeded $1 billion, according to a 2024 NOAA report.

      AreaHub Enterprise

      Climate Risk Intelligence and Area Information for Lending Institutions

      As climate and environmental issues increase in frequency and intensity, lenders must consider how their borrowers’ assets, including when serving as collateral, will be affected by extreme weather events or environmental risks. AreaHub equips lenders with the climate and environmental risk intelligence needed to improve portfolio risk management by identifying relevant climate information related to borrowers’ properties and assets.

      With AreaHub’s patented technology and consistently updated climate and environmental information on more than 35 topics, lenders can clarify their borrowers’ environmental risk picture, reduce uncertainty, and minimize losses. Our climate and environmental risk reports are powered by scientifically-validated data sources, robust methodologies, and strong processes and controls designed to provide trustworthy insights. Monitoring areas for significant changes to their area risk profiles allows lenders to make decisions quickly and confidently when considering current and/or future investments. 

      Use Cases

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      Inform New Investments

      Upgrade your early due diligence before approving new loans, to assess an extensive range of potential climate and environmental impacts clearly and efficiently.

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      Monitor for Materials Risk

      Receive timely updates and notifications of major changes that may impact your portfolio to help you understand the changing risk profiles of your loans.

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      Identify Key Risks

      Assess your potential borrowers’ assets or property portfolios for localized climate risks and other environmental information to improve your risk assessment.

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      Due Diligence

      Evaluate properties for potential environmental risks that often affect property values and operations before entering into new contracts or rebalancing your portfolio.

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      Develop Resilience

      Integrate an extra layer of science-based predictive data into your portfolio underwriting, and investment strategy to align your risk management strategy, guide adaptation actions, and suggest how clients can better fortify assets.

      Why AreaHub?

      AreaHub helps lenders minimize losses and increase profitability by providing the environmental risk profile for potential borrowers’ assets and by assessing the local climate and environmental issues that can affect assessments.

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        Extensive Risk Assessments

        Access a centralized repository of uniquely extensive risk insights across 35+ topics that may impact finances, operations, and health or safety.

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        Portfolio Monitoring & Notifications

        Monitor area-specific or portfolio-level climate risk analytics and stay apprised of unfolding situations that may require mitigative actions for proactive risk management.

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        Customized Dashboard

        Navigate risk with user-friendly interactive maps, access to specific hazard details, risk scoring, trend visualizations, and other proprietary features.

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        Specialized Reports

        Leverage specialized reports such as deeper dives into flood risks, or a portfolio-level synthesis of climate physical risk exposure, among others.

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        Mitigation Information

        Learn more about the likely property, financial, and operational implications of your risk exposures, and get a starting point to inform mitigation plans to prepare for extreme weather risks.

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      Climate Risks and Lenders

      How do climate-related risks affect lending institutions' financial stability?

      Natural disasters and climate change are reshaping the risk landscape for lending institutions, including banks, credit unions, and other financial service providers. Rising risks from hurricanes, floods, wildfires, and other extreme weather events threaten real estate values, loan performance, and economic stability. Proactively integrating climate-related factors into risk management frameworks is essential to protecting portfolios and enhancing sustainable lending practices.

      Key Risks

      Real Estate Devaluation

      Climate-related disasters, such as hurricanes and wildfires, can drastically reduce property values in affected areas, leading to defaults, declining collateral values for real estate loans and mortgage-backed securities.

      Loan Performance Disruptions

      Natural disasters can displace communities, disrupt borrowers' income, and increase default rates, affecting the financial health of institutions holding these loans.

      Concentration in High-Risk Areas

      One-quarter of federally insured credit unions, representing one-third of total system-wide assets, are headquartered in communities classified as having high or very high risks for natural hazards.

      Hurricane Katrina caused the closure of two credit unions, Orleans Public Schools Federal Credit Union and Chalmette Refinery Federal Credit Union, as displacement of members and staff made continued operations impossible.

      CUInsight. Should credit unions be prepared to conduct a climate risk analysis?. CUInsight.

      How AreaHub Can Help

      AreaHub Enterprise provides lending institutions with localized climate risk intelligence to integrate into their credit risk assessments. By identifying high-risk areas for natural hazards, institutions can evaluate their exposure and make informed decisions about loan approvals, portfolio diversification, and risk mitigation.

      Ready to integrate climate intelligence into your lending strategies?

      Request a Demo to learn how AreaHub can help you assess and manage climate-related financial risks.

      Want to learn more?

      Explore our in-depth Business Insights article for an overview of how climate risks affect business resilience.

      Business Insights

      Extreme Weather is Considered the Biggest Risk for Businesses

      As our climate changes, the frequency and intensity of extreme weather is increasing. These events include hurricanes, heat waves, droughts, heavy rainfall, floods, severe winter weather, hail, and tornadoes.

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