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U.S. Fire Weather Historical Trends Data (1973-2025)
A dataset and analysis by Climate Central tracking fire weather trends across the U.S. from 1973 to 2025. It helps users understand the increasing frequency of high heat and low humidity conditions that drive wildfire risk.
Weekly cat report: Review of global catastrophe activity
This series provides a weekly review of global catastrophe activity, covering meteorological events and preliminary financial loss estimates. It tracks natural disasters such as severe convective storms, flooding, and landslides across multiple regions to assist in risk assessment. This report is part of a regular series.
Optimal flood insurance in a second-best world: Fiscal spillovers, reclassification risk and moral hazard
This report evaluates the U.S. National Flood Insurance Program's transition to risk-based pricing. It finds that unintended consequences, such as increased ex post disaster spending and household exposure to climate uncertainty, outweigh moral hazard costs. The authors conclude that an optimal premium subsidy of 52% is required.
SUSREG annual report series
This benchmark series provides a comprehensive assessment of sustainable financial regulations and central banking activities. It tracks progress across global jurisdictions in integrating climate, environmental, and social risks within banking, insurance, and capital markets sectors, supporting the transition towards a net-zero and nature-positive global economy.
Guarantees: From misdiagnosis to strategic deployment: Evidence from expert practitioner interviews
This research examines why climate-aligned guarantees often fail to mobilise private capital effectively. It identifies structural misalignments within multilateral development banks and suggests that strategic deployment requires a move towards portfolio-based approaches, local-currency financing, and better risk layering to address specific investment constraints in emerging markets.
The climate premium on commercial real estate insurance
This report analyses rising insurance costs in the United States commercial real estate sector. It finds that premiums have surged 154% since 2017, driven by climate risk and reinsurance trends. High-risk markets face significant valuation erosion, with multi-family properties particularly impacted by increased financial burdens and pricing volatility.
Ocean investment protocol: 2026 revised draft for consultation: A multi-stakeholder plan to enable funding for the Sustainable Ocean Economy
This report provides a framework for scaling finance towards a sustainable ocean economy. It outlines recommendations for financial institutions, insurers, governments, and central banks to manage risks and capture opportunities. The protocol aims to mobilise the US$1 trillion required by 2030 to protect marine ecosystems and ensure prosperity.
Exploring guarantees for resilient and low-carbon cities: Part 2: De-risking urban climate finance series
This report examines how guarantees can unlock private climate finance for cities. It identifies barriers to uptake in emerging markets, such as high costs and complex structures. Proposed solutions include strengthening governance, standardising products, and expanding regional facilities to mobilise the USD 4.3 trillion required annually by 2030.
Insurers' resilience toolkit: A practical taxonomy of climate adaptation and resilience measures
This research provides a practical taxonomy for the insurance sector to advance climate adaptation and resilience. Analysing over 200 measures, it highlights structural barriers and enabling conditions for scaling initiatives. The report advocates for a shift from post-event compensation towards proactive risk reduction and long-term stakeholder engagement.
Using scenario analysis for future resilience: Top tips for pension fund chairs and trustees
This guide from Accounting for Sustainability supports pension fund chairs and trustees to move beyond simplified climate scenario analysis. It outlines the limitations of current models, provides practical examples from USS, NBIM and APG, and offers six actionable tips to embed scenario insights into strategic decision making.
From climate crisis to insurance crisis: Designing solidarity-based natural disaster insurance
This report examines rising climate-related insurance losses and Germany's lack of comprehensive natural disaster coverage, with only 57% of residential buildings insured against such risks. It analyses international public-private insurance models — particularly France's CatNat system — and recommends a solidarity-based approach alongside measures to hold the fossil fuel industry financially accountable.
Potential business cases in measuring biodiversity state and impact in agriculture
A joint Mistra FinBio and Svensk Kolinlagring report identifying three business cases linking biodiversity data to agricultural finance: baseline databanks for bank and insurance risk assessment, and an MRV system for biodiversity claims. It highlights the financing gap in regenerative agriculture and outlines potential biodiversity-linked financial products.
Credible climate financing and fossil fuel phase-out commitments are possible but remain marginal amongst major financial institutions
WBA's analysis of 400 major financial institutions finds that transition planning is emerging but capital allocation to low-carbon solutions and fossil fuel phase-out commitments remain marginal. Only two institutions demonstrate robust fossil-fuel restrictions, and low-carbon activities account for an average of just 2.7% of total financed activities globally.
Social performance measurement: Practical insights and tips for financial institutions
This report by Shift distils insights from practitioner clinics for financial institutions on social performance measurement. It identifies key challenges and misperceptions, and provides eight practical tips for building more effective human rights due diligence measurement approaches, covering HRDD maturity assessment, theory of change, and quantification at scale.
Unlocking climate risk insurance: The role of public development banks
This report examines how public development banks (PDBs) can expand climate risk insurance in emerging markets and developing economies. It identifies five key barriers to insurance uptake, analyses distinct roles for national, regional, and multilateral development banks, and provides recommendations to scale insurance solutions that build climate resilience.
Climate Central
Climate Central Resources is an online library of climate science content, interactive tools, graphics and datasets. It provides evidence-based information on climate change impacts, extreme weather, sea level rise and climate risk, supporting analysis, communication and decision-making across sectors, including finance.