Client — 2025 vs 2026 Climate Risk Comparison

09 — Year-over-Year

Year-over-Year Portfolio Analytics

Comparison of climate risk metrics between the 2025 assessment (5,389 properties) and the 2026 assessment (3,009 properties). The comparable portfolio includes only the 2,615 properties present in both assessments, enabling like-for-like comparison. 394 properties are new in 2026. Avg EAL/m² = total EAL / total floor area (same methodology as the main report). Floor area in 2025 comes from the footprint column; 2026 uses property_floor_area_m2.

Full Portfolio — Key Metrics

Metric	2025	2026	Change
Properties	5,389	3,009	▼ -2,380
Total EAL	£215.3k	£196.6k	▼ -£18.7k
Avg EAL/m² (weighted)	£0.67	£0.72	▲ +£0.05
% High risk	12.45%	14.92%	▲ +2.47pp

Comparable Portfolio — Key Metrics (2,615 properties)

Metric	2025	2026	Change
Properties	2,618	2,615	▼ -3
Total EAL	£94.4k	£139.0k	▲ +£44.6k
Avg EAL/m² (weighted)	£0.66	£0.61	▼ -£0.05
Avg EAL/m² (simple mean)	£0.67	£0.74	▲ +£0.07
% High risk	13.03%	14.07%	▲ +1.05pp
Properties with floor area	2,476	2,567	▲ +91
Total floor area	143.6k m²	228.8k m²	▲ +85.2k m²
Avg floor area	58 m²	89 m²	▲ +31 m²

EAL by Hazard — 2025 vs 2026

Hazard	Full Portfolio			Comparable Portfolio
Hazard	2025	2026	Change	2025	2026	Change
Coastal & River Flood	£40.4k	£40.2k	£-222 (-0.5%)	£18.7k	£35.0k	£16.2k (+86.6%)
Surface Flood	£44.9k	£42.2k	£-2.7k (-6.0%)	£19.6k	£26.0k	£6.4k (+32.4%)
Storm	£130.0k	£114.2k	£-15.8k (-12.2%)	£56.0k	£78.0k	£22.0k (+39.3%)
Total	£215.3k	£196.6k	£-18.7k (-8.7%)	£94.4k	£139.0k	£44.6k (+47.3%)

EAL per m² by Hazard — Weighted (total EAL / total floor area)

Total hazard EAL / total floor area (≤ 500 m²). Sensitive to floor area source changes (2025 uses footprint, 2026 uses property_floor_area_m2).

Hazard	Full Portfolio			Comparable Portfolio
Hazard	2025	2026	Change	2025	2026	Change
Coastal & River Flood	£0.1164	£0.1476	£+0.0312 (+26.8%)	£0.1305	£0.1529	£+0.0223 (+17.1%)
Surface Flood	£0.1172	£0.1335	£+0.0163 (+13.9%)	£0.1366	£0.1136	£-0.0230 (-16.9%)
Storm	£0.3699	£0.3438	£-0.0260 (-7.0%)	£0.3758	£0.3408	£-0.0350 (-9.3%)
Total	£0.6678	£0.7224	£+0.0547 (+8.2%)	£0.6569	£0.6072	£-0.0497 (-7.6%)

EAL per m² by Hazard — Simple Mean (per property)

Simple average of per-property model-output EAL/m² values. Each property counts equally regardless of floor area. Not affected by floor area source changes.

Hazard	Full Portfolio			Comparable Portfolio
Hazard	2025	2026	Change	2025	2026	Change
Coastal & River Flood	£0.1266	£0.2353	£+0.1088 (+86.0%)	£0.1487	£0.2386	£+0.0899 (+60.5%)
Surface Flood	£0.1218	£0.1813	£+0.0595 (+48.9%)	£0.1450	£0.1643	£+0.0193 (+13.3%)
Storm	£0.3729	£0.3430	£-0.0299 (-8.0%)	£0.3779	£0.3414	£-0.0365 (-9.7%)
Total	£0.6212	£0.7596	£+0.1384 (+22.3%)	£0.6716	£0.7443	£+0.0727 (+10.8%)

Risk Distribution Change — Comparable Portfolio

Hazard	High	Medium	Low	Very Low	No Risk	No Data
Coastal & River Flood	30 → 27 (-3)	12 → 11 (-1)	106 → 108 (+2)	70 → 71 (+1)	2,392 → 2,398 (+6)	8 → 0 (-8)
Surface Flood	100 → 97 (-3)	67 → 64 (-3)	206 → 200 (-6)	0 → 0 (0)	2,237 → 2,254 (+17)	8 → 0 (-8)
Storm	221 → 267 (+46)	1,787 → 1,779 (-8)	571 → 543 (-28)	0 → 0 (0)	31 → 26 (-5)	8 → 0 (-8)
Subsidence	36 → 36 (0)	68 → 68 (0)	318 → 318 (0)	2,187 → 2,192 (+5)	0 → 0 (0)	9 → 1 (-8)
Overall	341 → 368 (+27)	1,728 → 1,725 (-3)	531 → 513 (-18)	10 → 9 (-1)	0 → 0 (0)	8 → 0 (-8)

Overall Risk Migration — Comparable Portfolio

Rows = 2025 risk level, columns = 2026 risk level. Diagonal (shaded) = unchanged. Red = worsened, green = improved.

2025 ↓ · 2026 →	High	Medium	Low	Very Low	Total
High	334	6	1	0	341
Medium	25	1,700	0	0	1,725
Low	2	17	512	0	531
Very Low	0	1	0	9	10
No Risk	0	0	0	0	0
No Data	7	1	0	0	8

Coastal & River Flood — Risk Migration (Comparable Portfolio)

2025 ↓ · 2026 →	High	Medium	Low	Very Low	No Risk	Total
High	27	0	1	1	1	30
Medium	0	11	0	0	1	12
Low	0	0	106	0	0	106
Very Low	0	0	0	70	0	70
No Risk	0	0	0	0	2,389	2,389
No Data	0	0	1	0	7	8

Surface Flood — Risk Migration (Comparable Portfolio)

2025 ↓ · 2026 →	High	Medium	Low	No Risk	Total
High	92	1	0	7	100
Medium	0	62	1	4	67
Low	0	1	197	8	206
Very Low	0	0	0	0	0
No Risk	0	0	0	2,234	2,234
No Data	5	0	2	1	8

Storm — Risk Migration (Comparable Portfolio)

2025 ↓ · 2026 →	High	Medium	Low	No Risk	Total
High	221	0	0	0	221
Medium	38	1,746	0	0	1,784
Low	1	28	542	0	571
Very Low	0	0	0	0	0
No Risk	3	1	1	26	31
No Data	4	4	0	0	8

Subsidence — Risk Migration (Comparable Portfolio)

2025 ↓ · 2026 →	High	Medium	Low	Very Low	No Data	Total
High	36	0	0	0	0	36
Medium	0	68	0	0	0	68
Low	0	0	316	2	0	318
Very Low	0	0	0	2,184	0	2,184
No Risk	0	0	0	0	0	0
No Data	0	0	2	6	1	9

Comparable Portfolio — Risk & EAL Change Map

Geographic view of the 2,615 comparable properties showing how risk and EAL/m² changed between 2025 and 2026. Use the filters to isolate properties by risk migration and hazard type.

Overall

Coastal & River

Surface

Storm

Subsidence

→

— properties shown

Total EAL — → —

Avg EAL/m² (simple mean) — → —