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Housing
Fixed Income & Data Services/Mortgage & Climate Solutions

Mortgage & Climate Solutions

Extreme weather events are becoming more frequent, more severe, and more costly, driving higher insurance premiums and increasing borrower cost uncertainty. Real estate market instability, delayed rate cuts, and historically low affordability are putting pressure on traditional risk models. Geography now matters more than ever - climate impact can vary dramatically between neighborhoods, making granular analysis essential. Without loan-level, property-level, and security-level clarity, lenders, investors, and policymakers are left with blind spots in their decision-making process.

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A new era in mortgage risk assessment

The rising cost impact of factors like insurance and new datasets which measure them is creating clear market differentiation.

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See Risk Clearly. Make Smarter Decisions.

ICE helps deliver the clarity you need with climate and affordability insights at the loan, property, and security level - helping you anticipate risk, strengthen portfolios, and support resilient housing strategies. ICE’s Mortgage and Climate Data Solutions integrate:

  • Property-level climate risk scores across multiple perils.
  • Valuations powered by the breadth of our data: our methods go beyond our comprehensive sales data coverage (including non-disclosure states) by incorporating loan transaction data that spans the broad mortgage market. Together, these inputs drive the value of our Automated Valuation Models (AVMs) and Home Price Index (HPI).
  • Escrow-sourced data representing actual taxes and insurance costs, along with a reliable estimate of current utility costs derived through our high-precision modeling.
  • Seamless integration with loan and security workflows - no manual geocoding required.
  • End-to-end support from origination to securitization, trading, and post-event recovery.
Housing

Who we help

MBS Investors & Researchers

MBS Investors & Researchers

Gain visibility into climate exposure that traditional models miss. Incorporate dynamic LTV, actual ownership cost, and hazard scores into prepayment and default projections. Strengthen security selection and monitoring with insights that highlight climate-resilient opportunities.
Banks & Lenders

Banks & Lenders

Adapt underwriting strategies to account for climate risk and rising borrower costs. Use climate-adjusted affordability scoring, targeted lending toward resilient properties, and event alerts that reduce inspection costs and enable proactive borrower outreach. Link climate data with AVMs and housing datasets to monitor recovery, help mitigate risk, and protect portfolio value while lowering operational costs.
Servicers

Servicers

Access scalable, affordable climate analytics without heavy resource requirements. Enhance lending and servicing workflows with escrow-sourced cost and climate overlays. Simplify compliance reporting while improving visibility into true borrower affordability.
Capital Markets & Treasury Teams

Capital Markets & Treasury Teams

Stress test portfolios with climate-adjusted assumptions that capture geographic risk and rising ownership costs. Profile exposures by hazard type to uncover vulnerabilities before they impact capital positions. Align liquidity, funding, and capital allocation with climate and regulatory mandates.
Government & Public Sector

Government & Public Sector

Inform housing policy with climate and affordability overlays at the property level. Direct recovery funding with precision and track resilience across regions. Target resources to the most at-risk populations with actionable, property-specific insights.

Proof you can trust

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  • High-resolution hazard models across multiple perils
  • AVMs + HPI valuations powered by public records, direct transaction data, and appraised values
  • Escrow-sourced taxes and insurance, plus estimated utility data from servicing
  • 99.99% US coverage across 155M+ parcels and 600M+ records
  • Flexible delivery: Batch, API, Rapid Analytics Platform®, or ongoing monitoring

Related insights

Fixed Income Monthly Report

Property insurance costs: understanding a major headwind for U.S. housing.

The full cost of home ownership

Explore how ICE integrates data on insurance premiums, property taxes, and utility bills to deliver a more comprehensive view of home affordability.

Forecasting financial exposure to billion-dollar hurricanes

A case study of the 2024 U.S. hurricane season.

Have a question?

Uncertainty is already reshaping mortgage markets. With ICE, you can move from reactive to proactive, using our comprehensive datasets delivered at the property, loan and security levels.