Adaptation & Resilience

Physical climate risk is forcing a shift from mitigation-only thinking to adaptation as a capital and governance question. This category tracks how adaptation and resilience are reshaping real asset strategy — insurance retreat, regulatory direction, valuation impact, and the board-level decisions that follow — as the conversation moves faster than most institutions have built capacity to track.

Flood Risk, Uninsurable Homes, and the Question Nobody Is Answering: Who Pays?

Adaptation & Resilience, Real Estate Insurance, Sustainable Real Estate /

Key points The UK’s insurance protection gap stands at 29%. Flood Re, the public-private reinsurance scheme that has kept flood insurance affordable for the highest-risk households since 2016, ends in 2039. Without it, that gap will grow. The Climate Change Committee is explicit on this in its Fourth Independent Assessment of UK Climate Risk. What […]

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Beyond Carbon: Why the Sustainability Data Gap Is Becoming a Real Asset Liability

Beyond Carbon: Why the Sustainability Data Gap Is Becoming a Real Asset Liability

Adaptation & Resilience, Real Estate Insurance, Sustainable Real Estate /

Key points The buildings being financed today will either prove their value in 2040, or they won’t The question that matters most about any building is not whether it performs well today. It is whether it will still be performing, financeable, and insurable in fifteen years. That is a harder question than it sounds and

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Heatwaves are disrupting valuation assumptions

Heatwaves are disrupting valuation assumptions

Adaptation & Resilience, News /

New research, published today in PERE. Bank card transaction data from Melbourne, Sydney, and Adelaide has something to say about retail valuation models. On days above 35°C, consumer spending falls 6.8% overall. In the peak trading window, the drop hits 13%. Spending partially rebounds the following days, by about 5%. But, and this is important

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Flyer for event

Urban climate resilience has a framing problem — and it’s costing cities money

Adaptation & Resilience, News /

Most conversations about climate resilience in cities start in the wrong place. They begin with planning — land use, zoning, infrastructure design, flood modelling. These things matter. But treating resilience as primarily a planning problem misses where the real pressure is building. The pressure is financial. When insurers reprice flood risk in a postcode, that’s

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UK Parliament, Westminster Bridge, Portcullis House

Uninsurable Britain? What Australia, New Zealand, and California can teach us

Adaptation & Resilience, News, Real Estate Insurance, Sustainable Real Estate /

Key points I had the opportunity to present at a Parliamentary roundtable chaired by George Freeman MP at Portcullis House in Westminster. The roundtable is being used to inform Freeman’s Inland Flooding Bill, a piece of proposed legislation designed to improve accountability for flood risk, help residents better prepare, and tighten planning rules. Alongside me

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The Valuation Gap: Board Questions for Climate Risk Assessment in Real Estate - Keyah Consulting

The Valuation Gap: Board Questions for Climate Risk Assessment in Real Estate

Adaptation & Resilience, Real Estate Insurance, Sustainable Real Estate /

Key points Real estate portfolios face a fundamental valuation problem: asset prices do not yet fully reflect climate risk. For boards overseeing REITs, pension funds, and institutional portfolios, this mispricing represents fiduciary risk. Valuations anchored to historical data understate future impacts. The following questions provide a framework for assessing whether climate risk is properly reflected

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The Adaptation Imperative: Board Questions for Climate-Resilient Real Estate - Keyah Consulting

The Adaptation Imperative: Board Questions for Climate-Resilient Real Estate

Adaptation & Resilience, Real Estate Insurance, Sustainable Real Estate /

Key points Climate risk is no longer a future concern for real estate portfolios, it’s  a present valuation problem, an insurance crisis, and a fiduciary challenge. Boards overseeing REITs, pension fund real estate holdings, and institutional portfolios face a stark reality: the gap between climate risk and asset pricing is widening. A landmark survey of

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