What if?
Click anywhere to begin
CIPA Climate Insurability Platformby
Click anywhere to begin
CIPA Climate Insurability Platformby
CIP connects your policies to the public climate data of Wallonia, Flanders and Brussels. It shows, street by street, which homes sit in the water’s way, what prevention would change, what it costs and saves, and how to prove it a year later. Resilience by design, down to the street and the house. Plug in your portfolio; everything else is already connected.
Why it matters now
€2.24 bn
paid by Belgian insurers on 73,790 claims after the July 2021 floods.
Assuralia, July 202555,000
claims after one day of storms and floods, on 30 May 2026.
Assuralia, June 2026≈18%
less claims volatility where adaptation measures exist, with too little data for EIOPA to conclude. The missing evidence is per place.
EIOPA, November 2024Plug and play
The demo uses an illustrative portfolio. In a pilot, yours replaces it under a data agreement.
Where this fits
Assuralia argues that insurers cannot carry climate losses alone, and that prevention, public investment and insurance have to move together, with every stakeholder playing its part. That is the system map in this demo: the town, the region, the residents and the insurer around the same streets.
Assuralia position paper on climate resilience, 20 October 2026The European framework published on 28 October puts resilience by design at its centre, and the sector asks for climate adaptation to become a fixed part of spatial planning and of building and renovation rules. One of the actions in this demo does exactly that.
Assuralia, 23 October 2026 · European framework for climate resilienceThe sector asks for open data, common definitions, risk maps and transparent methods, and names Copernicus and the 2007 Floods Directive as the base. The scan reads those sources live, and publishes its own method with its gaps named.
Assuralia position paper, October 2026Assuralia is in talks with the Belgian government on a robust public-private partnership, and warns that without prevention and adaptation more risks become uninsurable and the protection gap widens. The shared fund in this demo is a place-level version of that, with the split shown.
Assuralia position paper, October 2026Assuralia built the Klimaatschademonitor, which gives local authorities, companies and citizens a view of climate damage per area. CIP reads it per municipality and turns it into a plan with owners. Assuralia has also worked with Climate Fit on regional adaptation pilots, which is the closest Belgian neighbour to this work.
Assuralia, Klimaatschademonitor and Climate Fit collaborationEurope is asked to help make adaptation projects investment-ready so private capital can follow. The report in this demo is written to be read that way, next to the risk plan and the sustainability report.
Assuralia position paper, October 2026Quotations are our reading of Assuralia’s published position paper of 20 October 2026 and its article of 23 October 2026. No endorsement is implied, and no partnership is in place.
The data, the method and the partners
Hazard maps, addresses and ground height in Wallonia; live gauges and flood-prone areas in Flanders; hazard and water-depth maps in Brussels; claims per municipality from the sector.
Water depth per building and flood frequency for Walloon places, the same for Flemish ones, and a Belgian cost and specification per measure.
Street and basin works, the design of what the town builds, and the contractors who install the measures at home.
The demo runs on an illustrative portfolio. Open it in your own name to see it as your workspace.
Public data from these services is already read by the scan. The research, engineering and insurer names are organisations whose work the method builds on and whom we propose to approach for a pilot. No partnership is in place yet, and the logos are shown for identification.
River and run-off, from the hazard maps, the addresses, the ground height, the gauges and the observed 2021 extent.
Heat islands and vulnerable homes, which the sector names alongside floods after last summer.
Subsidence, crop and navigation losses, and the strain on public budgets.
Added once the method holds for the first three.
The street map and the method are the same for every peril. Flooding is built; the others are the roadmap.
Three insurers, a loss adjuster and an engineering firm launched it in January 2026 as a market-wide service by subscription. It diagnoses one home at a time, from a self-diagnostic to an on-site visit, each with a list of measures and a cost estimate. Eight months in, it reports 13 pilots with 5 insurers in 2 countries.
Geoya founders’ press release, January 2026 · L’Argus de l’assurance, October 2026A diagnosis per home does not tell an insurer which streets to do first, who else has to act, or what it all adds up to in a town. The trade press notes Geoya is still mostly a vulnerability diagnosis.
L’Argus de l’assurance, October 2026The place. Every home-level result, from Geoya or from our resident survey, is counted per street and set next to the hazard map, the town’s plans and your claims. The two fit together: one tells a home what to do, the other tells you and the town where prevention pays first.
Your portfolio against public data, a street map per place, and a report. Self-serve.
The scan plus the resident survey, interviews and one working session with the municipality, ending in an agreed plan.
An engineering partner on site for the streets that need a closer look, with measures priced per home.
What the demo shows
Scroll through them, or open the demo and click it yourself. Each screen answers one question and hands its answer to the next.
Which places are becoming hard to insure?
Your policy addresses meet the public hazard maps of all three regions. A map of Belgium and one ranked list of the municipalities where losses are most likely to come back.
Six places · 14,060 homes · three regions
What do the public sources say?
Eight sources open in front of you, from the Walloon hazard map and the address register to Assuralia’s monitor, the Copernicus flood extent and fourteen press and policy sources.
976 buildings · 206.8 m · 23 findings
Where exactly is the risk?
The real aerial photo of Dolhain with the official hazard zones and one dot per address. A resident survey on people’s phones fills in the number nobody has: which homes are already protected.
425 addresses · 144 in a hazard zone
Why has this not been solved?
Fifteen actors, and the money, decisions, information and rules that move between them. Five links are missing, two loops keep the place stuck, and five leverage points each come with a what-if.
15 actors · 21 links · 5 leverage points
What would prevention change?
The what-ifs from the system map, tested on the real map. Homes turn green and four numbers follow, including what a repeat of July 2021 would cost with and without the plan.
5 scenarios · 6 moves · live on the map
How do we test it for real?
Each what-if becomes a pilot: a hypothesis, the smallest test that could prove it wrong, who is needed, what it takes, when it worked, and when to stop. Cards move from idea to test to implementation.
6 pilots · idea, test, implement
What does it cost, what does it save, who does what?
Your share of the cost against the claims it avoids over ten years, who pays what, and the actions by quarter with their owners.
Payback · funding split · first 90 days
How will we know, and what do we report?
The same streets scanned a year later, then a thirteen-section report with numbered sources, written against ESRS E1, the Solvency II risk plan and ORSA, the EU Taxonomy and the Belgian insurance law.
13 sections · 31 references · obligations line by line
What do I decide today?
What changes for you, before and after, and three steps from one municipality in 2027 to a platform for every Belgian place.
One place · one sponsor · one year
One municipality you insure, the town at the table, a year of evidence, and a view you can extend to every place you cover.
CIPLimbourg, Vesdre valleyYour brief so far
Report
Nobody knows how many homes in Dolhain protect themselves. A two-minute survey on residents’ phones would turn “unknown” into a number, street by street.
Resident survey · Dolhain
425
households around central Dolhain and the old town, from the SPW address map. In a pilot the scan keeps only those in high-hazard zones and sends to the lowest-lying first.
Anonymous, grouped per street, shown only from five answers per street.
A personal result on their phone: their hazard class and the measures that fit their home, with a cost estimate once Belgian prices are in. That is why people answer. Hover to see it.
Hover a question to see it on the phone. Untick to leave it out. A starting list, to set with the municipality.
Sending
Letters and messages going out…
Answers coming in, per street answers simulated for the demo · streets and household counts are real
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