/

/

/

Le risque physique, mesuré sur l’actif.

Prêteurs, investisseurs et assureurs doivent évaluer et publier le risque climatique physique des actifs qu’ils financent. Les modèles donnent une première vue ; les aléas mesurés sur les sites clés, comme les niveaux de crue, la chaleur et les mouvements de terrain, montrent ce que les actifs affrontent vraiment et si l’adaptation fonctionne.

Industrie

Assurance et finance

Mesures

4

Sources citées

5

1. Assurance et finance · Risque climatique physique des portefeuilles

   Disclosure needs evidence

   Lenders, investors and insurers must assess and disclose the physical climate risk of what they finance, and supervisors expect them to manage it. Models give a first view; measured hazards at key sites show what assets actually face and whether adaptation works.

2. Ce qui est mesuré

   Water, heat and ground

   Gauges at sites and nearby watercourses measure flood levels, weather stations measure heat and extremes, and GNSS receivers on structures measure ground movement, so each key asset has its own record of the hazards it meets. Each reading carries its time and its quality flags.

   Instruments

   Flood gauges · Weather stations · GNSS

3. Le nœud de base

   Measured against modelled

   The node records hazard levels and events at each site, compares them with the modelled hazard for that site and builds the event and impact record that disclosures and adaptation reviews need. Nothing is lost when a link drops; the node keeps it.

4. Radio et liaisons

   Around each asset

   Points around an asset reach a gateway over a low-power link and the node sends data over cellular. Measured hazards join portfolio risk tools and reach asset owners under the sharing agreement. Each link is chosen for the place, not from a catalogue.

   Liaisons

   LoRaWAN · Réseau mobile public

5. Comment ça marche

   From a flood to a repriced loan

   A warehouse rated low flood risk floods twice in a year; gauges record the depths. The lender’s risk team compares them with the model, updates the site’s risk, agrees a flood defence with the borrower, and discloses the change with evidence.

6. De la commande à l’exploitation · Commande

   Scope the portfolio

   The scope reads the portfolio, its modelled hazards, the most exposed and most valuable sites, and disclosure duties. Nexus Observatory Inc. returns the site selection, sensor plan, reporting and a price per site and per year. Every assumption in the scope is written down and priced.

   Planifier un déploiement

7. De la commande à l’exploitation · Relevé

   Survey key sites

   Crews survey key sites with asset owners: watercourses and drains, flood marks, exposure for weather, structures for GNSS and coverage. Findings are recorded with photographs. Every finding is kept with the site record for the crews who follow. Findings shape the kit for each site before anything is built.

8. De la commande à l’exploitation · Autorisations

   Owner agreements

   Asset owners and borrowers agree to monitoring and data sharing with lenders, investors and insurers. Every agreement is kept with the site record. Approvals are tracked site by site, so nothing waits unseen. No crew goes to site before its approvals are in place.

9. De la commande à l’exploitation · Fabrication

   Build and calibrate

   Sensors are calibrated against references, radios paired, gateways and nodes configured with each site’s modelled hazards and thresholds, enrolled with their identities and run together before they ship to the sites. Test results travel with the kit to the site.

   Ouvrir le configurateur de stations

10. De la commande à l’exploitation · Installation

    Install around assets

    Crews install gauges on watercourses and drains, weather stations and GNSS receivers on structures at each site, raise gateways and connect nodes with the asset owner’s staff. Every point is surveyed to a benchmark and photographed. The site record is updated before the crew leaves.

11. De la commande à l’exploitation · Mise en service

    Commission against the model

    Chaque nœud prouve son identité. Readings are checked against references and nearby official stations, and the first months of measured hazards are compared with the modelled hazards for each site so differences are known early. Results are signed and kept with the site record.

12. De la commande à l’exploitation · Exploitation

    Disclose with evidence

    Risk teams see measured hazards and events across key sites, compare them with models, and use the record in disclosures, pricing and adaptation reviews. Reports for owners and funders come from the same record. Every alert and action is kept on the record.

13. De la commande à l’exploitation · Maintenance

    Review each year

    Each year, measured hazards are compared with models and disclosures updated, sensors checked and recalibrated, and software updated in rings. Every change is kept. Spares and procedures travel with the crews. Maintenance history stays with each site for its whole life.

    Réserver des services sur le terrain

14. Produits de données

    For risk, disclosure and owners

    Risk teams at lenders, investors and insurers receive measured hazards by site; climate risk analysts receive model comparisons; disclosure and reporting teams receive event and impact records; asset owners and borrowers receive adaptation evidence, each tied to site and time.

    Voir les produits de données

15. Preuves

    Disclosures on evidence

    Measured hazards support climate-related disclosures, the taxonomy’s climate risk and vulnerability assessment and supervisory expectations on climate risk. Measurements follow the WMO and hydrological guides, and every event is kept with its site. Records are open to the people who must check them.

    Référentiels

    IFRS S2 · Commission Delegated Regulation (EU) 2021/2139 · Guide on climate-related and environmental risks · WMO-No. 8 · WMO-No. 168

16. Ce que vous obtenez

    Surveillance de l’exposition environnementale pour les programmes de santé

    Mesures de l’exposition à la chaleur, à l’air et à l’eau autour des établissements et des collectivités; aucun diagnostic ni traitement. Fourni sous forme de service géré et licence de données, pour health authorities, hospital networks, employers. Scale: City to national. Service levels are written as numbers you can measure on your own dashboard.

    Parler aux ventes

17. Étape suivante

    Planifier avec nous : risque climatique physique des portefeuilles

    Tell us the site, the measurements and the rules it answers to. We reply with a survey proposal, a design and a scope for physical climate risk for portfolios. An engineer replies with a survey proposal and a scope, and the plan grows from one site to the network you need, at your pace.

    Planifier un déploiementOuvrir le configurateur de stationsOuvrir le Studio

01Le lieu et ses dangers

Où il fonctionne, et ce qui peut mal tourner.

Operating contextClimate-related disclosure standards require entities to disclose physical risks and their effects, the European taxonomy asks for a climate risk and vulnerability assessment of financed activities, and bank supervisors expect climate risks to be managed. Measured site data strengthen assessments built on models.

Dangers

• Floods at assets models rated low risk
• Heat that reduces output and damages equipment
• Subsidence under buildings and infrastructure
• Adaptation measures that cannot be shown to work
• Disclosures that rest only on models

02Ce qu’il faut mesurer

Quoi, où, à quelle fréquence, et selon quelles règles.

Chaque mesure indique où elle est prise, à quelle fréquence, et la norme ou la réglementation publique qui la fonde. Les numéros de la colonne des sources ouvrent la source citée plus bas.

03La pile d’observation

D’un module de base à un réseau.

Les mêmes briques à chaque échelle : des instruments et un nœud de base, un site avec sa radio, une flotte exploitée comme un tout, et un réseau fédéré sur le protocole ouvert.

1. 01

   Unité de base

   A site point: a flood gauge, weather sensors or a GNSS receiver on a low-power radio or node.

   Build a station →
2. 02

   Site

   A site: points around a key asset, a gateway and a node.

   Plan a site →
3. 03

   Parc

   Key sites across a portfolio on one physical risk view.

   Managed offers →
4. 04

   Réseau

   Lenders, investors, insurers and borrowers share measured hazards through open standards.

   The open protocol →

• 01Limnimètre
• 02Station météo compacte
• 03Station géodésique GNSS
• 04Terminal LPWAN
• 05Passerelle LoRaWAN
• 06Nœud de périphérie (Wedge)
• 07Modem/routeur cellulaire
• 08Champ solaire

Radio et liaisons

LoRaWAN

Points around an asset reach a gateway over a low-power link.

Radio et liaisons

Réseau mobile public

The node sends data over cellular.

Edge computeThe node records hazard levels and events at each site, compares them with the modelled hazard, and builds the event and impact record that disclosures and adaptation reviews need.

PowerPoints run on batteries and small solar panels; nodes run from site power where available.

04Comment ça marche

De l’instrument au produit.

Le parcours d’une observation, niveau par niveau, avec l’interface de chaque liaison et une nomenclature en dessous ; puis comment ce nœud devient un site, une flotte et des réseaux fédérés.

05De la commande à l’exploitation

Chaque étape, du premier appel à un site en service.

La même équipe et le même dossier portent le travail, du cadrage à la maintenance.

1. 01 Order

   Scope the portfolio

   The scope reads the portfolio, its modelled hazards, the most exposed and most valuable sites, and disclosure duties. Nexus Observatory Inc. returns the site selection, sensor plan, reporting and a price per site and per year. Every assumption in the scope is written down and priced. 45

2. 02 Survey

   Survey key sites

   Crews survey key sites with asset owners: watercourses and drains, flood marks, exposure for weather, structures for GNSS and coverage. Findings are recorded with photographs. Every finding is kept with the site record for the crews who follow. Findings shape the kit for each site before anything is built. 1

3. 03 Permits

   Owner agreements

   Asset owners and borrowers agree to monitoring and data sharing with lenders, investors and insurers. Every agreement is kept with the site record. Approvals are tracked site by site, so nothing waits unseen. No crew goes to site before its approvals are in place.

4. 04 Build

   Build and calibrate

   Sensors are calibrated against references, radios paired, gateways and nodes configured with each site’s modelled hazards and thresholds, enrolled with their identities and run together before they ship to the sites. Test results travel with the kit to the site.

5. 05 Install

   Install around assets

   Crews install gauges on watercourses and drains, weather stations and GNSS receivers on structures at each site, raise gateways and connect nodes with the asset owner’s staff. Every point is surveyed to a benchmark and photographed. The site record is updated before the crew leaves.

6. 06 Commission

   Commission against the model

   Chaque nœud prouve son identité. Readings are checked against references and nearby official stations, and the first months of measured hazards are compared with the modelled hazards for each site so differences are known early. Results are signed and kept with the site record. 2

7. 07 Operate

   Disclose with evidence

   Risk teams see measured hazards and events across key sites, compare them with models, and use the record in disclosures, pricing and adaptation reviews. Reports for owners and funders come from the same record. Every alert and action is kept on the record. 45

8. 08 Maintain

   Review each year

   Each year, measured hazards are compared with models and disclosures updated, sensors checked and recalibrated, and software updated in rings. Every change is kept. Spares and procedures travel with the crews. Maintenance history stays with each site for its whole life.

06Produits de données et intégration

Ce qu’il fournit, à qui, et dans quels systèmes.

Produits de données

• Measured hazards by siteRisk teams at lenders, investors and insurers
• Model comparisonsClimate risk analysts
• Event and impact recordsDisclosure and reporting teams
• Adaptation evidenceAsset owners and borrowers

Intégration

• Risk systemsMeasured hazards join portfolio risk tools.
• DivulgationRecords support climate disclosures.
• Gestion des actifsEvents reach owners’ maintenance and adaptation plans.

Exchanged through OGC SensorThings API, GeoJSON, XBRL.

07Questions des acheteurs

Avant de cadrer votre projet.

Does this replace climate models?

No. It tests and strengthens them at key sites.

Which sites should be measured?

The most exposed and most valuable, chosen in the scope.

Can borrowers see the data?

Yes, under the sharing agreement.

Does it help with disclosure?

It supplies measured evidence for physical risk.

08Ressources

Les sources de cette page.

Normes, réglementations et lignes directrices publiques, citées là où elles s’appliquent. Chacune ne s’applique que dans sa juridiction ou son champ.

1. 1WMO-No. 168: Guide to Hydrological PracticesWorld Meteorological Organization
2. 2Commission Delegated Regulation (EU) 2021/2139 (EU Taxonomy Climate Delegated Act), Appendix A: climate risk and vulnerability assessmentEuropean Union · 2021
3. 3WMO-No. 8: Guide to Instruments and Methods of ObservationWorld Meteorological Organization
4. 4IFRS S2: Climate-related DisclosuresInternational Sustainability Standards Board, IFRS Foundation · 2023
5. 5Guide on climate-related and environmental risksEuropean Central Bank · 2020

09Voir aussi

Cas d’usage et solutions.

10Assurance et finance : domaines spécialisés

Les autres domaines de cette industrie.

Présentez-nous le site.

Planifiez un déploiement, configurez une station, modélisez-la dans le Studio ou parlez à l’équipe commerciale. Le formulaire indique qui reçoit vos coordonnées.