klimatrisk

Klimatrisk is a term used to describe the potential adverse effects of climate change and related environmental changes on natural and human systems, including infrastructure, economies, and organizations. It encompasses a range of hazards and uncertainties that can arise over short and long time horizons and under different climate scenarios.

Physical risks stem from direct climate impacts such as heatwaves, floods, droughts, storms, and sea-level rise, which can damage assets, disrupt supply chains, and harm health and productivity. Transition risks arise as policy, technology, and market shifts toward a low-carbon economy affect asset values and costs. Liability risks involve legal claims over climate damages or failures to disclose climate-related information. Reputational risks concern public perception of how an organization handles climate issues.

Assessment of klimatrisk uses scenario analysis, stress testing, and probabilistic modeling to explore vulnerability under various climate pathways. International frameworks guide disclosure and risk management, including the Task Force on Climate-related Financial Disclosures (TCFD) recommendations, EU sustainability rules, and ISO standards.

Implications span finance, insurance, industry, and government. Banks and investors price climate risk into capital, insurers adjust premiums, and planners incorporate exposure and resilience into assets and infrastructure. Organizations increasingly integrate klimatrisk into governance, strategy, and reporting to reflect evolving climate realities.

Mitigation and adaptation strategies aim to reduce klimatrisk by limiting emissions, increasing resilience, and diversifying risks. Improved data quality, asset-level risk assessments, and risk-transfer instruments help organizations anticipate and manage climate-related threats.