Earthian AI

Lucid Climate-0, NatCat Lighthouse-0

Earthian AI builds inference-driven climate risk models for financial and insurance applications. Lucid Climate-0 identifies asset-level exposure to flood, wind, heat and wildfire from local geography, building characteristics and infrastructure dependencies, while NatCat Lighthouse-0 converts hazard, exposure and vulnerability into loss-cost signals for reinsurance and insurance-linked securities. The company positions these alongside geopolitical, technology and policy models for combined risk analysis. Distinctive for targeting compound events and emerging perils with limited historical records.

Vendor methodology

Transparency Score

Beta

Public transparency, not model quality iThe Transparency Score (0–3) estimates public methodological transparency: the degree to which the vendor's analytical approach to modeling climate and nature risk can be assessed from publicly available sources. It is explicitly not a measure of vendor quality or accuracy.

1

Product-level: public materials indicate risk scope and outputs, but little detail on modeling approach.

Product-level: public pages set out model scope, outputs and intended applications in conceptual terms, with no documentation of data sources, scenarios or model construction.

For further information, see the section 'Transparency Score methodology' in the Readme.

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