Brokers - FM Affiliated

Managing your clients' climate risk exposures through FM Portal

Publish Date • 20 October 2025

Arm your clients with data-driven insights they can use to mitigate climate risks and plan for long-term resilience

Walking through a puddle

Few sectors are as exposed to the impacts of climate change as property insurance. As a broker, you’ve likely already started to notice the impacts. Heightened risk of climate perils and natural catastrophes are reshaping property insurance into a more expensive, less available, and more fragmented market.

You’re also likely to have clients who are yet to take the simple, cost-effective steps available to them to mitigate these risks. Through providing the insights they need to safeguard their resilience, you can deepen your relationships with these clients and position yourself as a strategic advisor for risk mitigation.

The FM Climate Resilience Tracker can help. Available to you and your clients through the FM Portal, this self-service analytics tool shines a light on which of your clients’ locations are exposed to current and future climate risks. It also reveals what they can do to keep these facilities resilient.

67%

of property insurance brokers believe their clients are at least ‘mostly’ aware of the risks exposure to extreme weather events pose for their businesses

Have data-driven conversations about climate risk

Building

FM Portal provides a single location for brokers and their clients to manage risk exposures across their property portfolios. It unifies your engineering reports, client communications, claims activity, and policy information into a single self-service tool.

Our Climate Resilience Tracker is one of the risk analytics solutions you can access via your FM Portal. It leverages proprietary data to help you understand your client’s risk exposures, empowering you to:

  • Calculate the proportion of a client’s total insured value (TIV) that is currently exposed to mitigatable risks
  • Discover their current Climate Resilience Score, based on the risks their facilities are exposed to
  • Access actionable recommendations to help improve their Climate Resilience Score and maximize their resilience

With this information, you’ll be able to help clients to identify high-risk locations, locations with the greatest potential for improvement, and what specific actions they can take to improve their overall risk positions.

As clients action our recommendations, their Climate Risk Scores will improve, making this a powerful metric they can use to track their progress and motivate teams to implement risk improvement solutions.

Help to steer long-term climate risk management

snowy road

As global temperatures rise, the climate risk landscape will continue to evolve. This will expose many clients to new risks. But with proactive and strategic planning, you can help them to mitigate the impact these will have on their coverage and resilience.

To facilitate this proactive climate risk mitigation planning, we created the Climate Perils dashboard in FM Portal. In addition to showing each client’s present day risk exposures, this tool also leverages the latest climate modeling to indicate what their exposures are likely to be in the future.

For both 2030 and 2050, the dashboard models how climate change is likely to impact your clients’ businesses across areas including:

  • Increased flood risk relating to sea level rises and increased rainfall
  • Increased risk of building damage due to high winds and storms
  • Increased fire risk due to longer and more frequent droughts
  • Increased risk of damage to plumbing due to freezing temperatures

We present data for the best, likely, and worst-case scenario climate impacts, so you can help clients make informed decisions based on their risk tolerance. They can also use this data to create reports for climate change impact planning to meet their regulatory obligations.

Become a strategic advisor to your clients

Tsunami

FM Portal arms you with the insights you need to deepen client relationships by acting as a strategic advisor on climate risk and helping them position their businesses for long-term resilience.

If you have a client you think could benefit from our climate resilience expertise, we’d love to hear from you. Submit a new business enquiry here and we’ll be in touch ASAP.

This is part of a series of articles FM is producing to help brokers understand the value we can provide to their commercial property insurance clients. Look out for the next post in this series for more valuable insights.