What kind of data do you need from clients?

For core analytics, no proprietary data is strictly required as we use public data. For advanced economic loss modeling, clients can provide data on property use and business operations to customize outputs.

What are the key proprietary metrics?

We use 1CEP™ (Exceedance Probability), 1CDS™ (Downtime Statistic), and 1CRX™ (Resilience Score) to standardize risk and benchmark properties.

Can we use our own climate or hazard models?

Yes, the framework is designed to be flexible. Clients can, in principle, swap in their own models for hazard assessment while using our platform for resilience and downtime integration.

Is this just for insurance companies?

No. It's for any financial institution, asset manager, or corporation with significant property exposure needing to price risk, value assets, or disclose climate vulnerability.

Directory/Analytics/Risk Analytics/One Concern

One Concern

One Concern provides AI and data science-powered resilience analytics for financial services, insurance, and real estate sectors. It builds a 'digital twin' of physical infrastructure to model property-level downtime and financial exposure from climate-related events like floods, wind, and earthquakes. The platform, including One Concern Domino™ and DNA™, integrates data on property damage and lifeline network disruptions (power, transportation) to deliver metrics like downtime probability and resilience scores. This enables portfolio risk classification, valuation adjustments, and mitigation ROI calculations.

Analytics

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Added on

Sep 18, 2026

Climate riskDigital TwinBusiness interruptionProperty analyticsAPI integrationU.S. & Japan coverage

Product information

Everything worth knowing about One Concern

The complete picture — from everyday features to the technical detail builders and IT folks dig for.

Core features

What it actually does

Climate Risk Quantification

Provides a consistent, comparable metric for physical risk in the form of 'downtime' (hours or days) to evaluate and benchmark properties, companies, and sectors.

Business Interruption Modeling

Models dependency risks from lifeline networks (power grids, transportation, supply chains) to estimate potential business downtime and uninsured losses, even without direct property damage.

Portfolio Resilience Analysis

Enables classification and selection of properties in large portfolios using resilience metrics (1CDS™, 1CRX™) to concentrate mitigation efforts and inform purchase/sell decisions.

Financial Risk Integration

Calculates resilience-adjusted valuations and cash-flow impairment models to price climate-change risk into property values and estimate economic losses for tenants, owners, and creditors.

Technical capabilities

U.S. Digital Twin Platform

A structured graph-based platform (One Concern Domino™) modeling ~14 million commercial properties and 15 million multifamily dwellings with integrated power grid and transportation architecture data.

API Data Integration

Offers One Concern DNA™ for flexible integration of resilience analytics into existing risk and data platforms via API, supporting custom model swaps and full methodological disclosure.

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Who uses it

Real use cases, no hype

Portfolio Risk Classification

Classify and benchmark large property portfolios to prioritize mitigation and investment decisions.

Resilience-Adjusted Valuation

Modify DCF models to account for potential downtime and cash-flow impairment from climate events.

Climate Mitigation RoI

Calculate and compare the return on investment for specific resilience upgrade projects.

Insurance Pricing & Underwriting

Improve pricing for Business Interruption policies and develop new Non-Damage BI products.

Physical Risk Disclosure (ESG)

Generate detailed estimates of asset impairment for regulatory filings and stakeholder reports.

Stress Testing & Scenario Analysis

Simulate the cascading impact of disasters on a property and its interconnected lifeline networks.

What's great

Uncovers hidden infrastructure dependency risks others miss.
Provides a consistent, comparable downtime metric for benchmarking.
Massive U.S. Digital Twin covers ~14M commercial properties.

Technical strengths

Integrates risk analytics directly into existing platforms via DNA.
Uses a novel resilience modeling framework for network-level disruption.
Offers explicit ROI calculations for climate mitigation projects.

Where it falls short

Limited geographic coverage (currently U.S. and Japan only).
Pricing and commercial details are not publicly listed.
Requires significant data ingestion to be useful.

Technical limitations

Relies on third-party climate/hazard models as upstream inputs.
Adds complexity to risk valuation models beyond simple property scores.

For technical folks

The deep-dive specs

FAQ

Includes technical Q&A

It focuses on property-level downtime from infrastructure dependencies (power, transport), not just direct damage. It models the 'lifeline network' a property relies on.

Traffic Insights

Monthly Visits

—

October 2026

Growth Rate

vs last month

Dominance

in Analytics

Top Country

—

Top Countries Breakdown

—

Growth Trend

Stable

Traffic has remained stable.

Pricing overview

Paid Pricing

One Concern Pricing

One Concern uses a paid pricing structure. Real-time rates, custom enterprise quotas, and plan details are managed directly on their official platform.

Check Pricing on One Concern

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