How Komunidad CRA turns a coordinate into a risk score.

Risk is measured across four dimensions

Following established catastrophe-modelling practice, the CRA evaluates risk as the interaction of four things, kept separate so each can be audited on its own evidence.

flowchart LR
    HZ["Hazard
how strong and how often
nature strikes the location"] --> FI
    EX["Exposure
what stands in the path
and what it is worth"] --> FI
    VU["Vulnerability
what fraction is damaged
or disrupted when it hits"] --> FI
    FI["Financial impact
expected annual loss and
a comparable 0-100 score"]
                

One scale for everything

Higher means greater risk. Because the same model applies to every location, scores can be ranked and compared across an entire portfolio of sites.

Five hazards, assessed independently

Each hazard is scored from its own authoritative dataset, then blended into a single multi-hazard score that emphasises the most frequent drivers of loss in the Philippines.

For flood and surge, the engine reads the small neighbourhood around a coordinate rather than a single point, so a site partly inside a mapped zone, or just outside one, receives a realistic graduated score instead of an abrupt jump or a hard zero.

From physical risk to expected loss

With the asset’s value, revenue and insurance profile, each hazard score is walked through a transparent loss chain: physical damage to structure and contents, business interruption during downtime, knock-on effects, and the share retained after insurance. Weighting the result by how often such an event occurs gives an expected annual loss, which is expressed as a financial score on the same 0 to 100 scale.

flowchart LR
    A["Hazard score
at the location"] --> B["Expected damage
and downtime"]
    C["Asset value, revenue
and insurance profile"] --> B
    B --> D["Direct loss and
business interruption"]
    D --> E["Gross loss, then the
share retained after insurance"]
    E --> F["Expected annual loss"]
    F --> G["Financial score
0 to 100"]
                

The per-hazard results combine into a single final financial score, adjusted for how critical the asset is to operations. The result can also be projected forward under a chosen climate scenario and time horizon, producing climate-adjusted loss, valuation and indicative premium metrics for underwriting and long-term planning.

Every intermediate figure is returned in the API response, so any result can be traced from input to output.

Authoritative sources only

Interpretation & limitations

• Decision support, not prophecy. Scores are risk indicators built from the best available public datasets, not deterministic forecasts of realized loss.
• Resolution-aware. Flood and surge follow the underlying hazard-map detail; the model smooths boundary effects but cannot exceed the source resolution.
• Deterministic and repeatable. No per-location manual adjustment. The same inputs always yield the same scores, keeping results auditable and portfolio-consistent.
• Full detail on request. The complete methodology document, including formulas and worked computations, is available from your Komunidad account team.