Mendria RiskLens

Mendria

Mendria RiskLens

AI-driven, 48-hour climate risk scoring, financial impact modeling, and actionable Hold/Sell/Mitigate decisions for real estate investors.

New York, NY, USA

USA

For-profit, including B-Corp or similar models

We grew up in the fastest-warming U.S. state, witnessing firsthand how climate disasters destroy homes, drive up insurance costs, and erase property value—issues now faced by hundreds of millions globally. The urgency has clearly outpaced existing institutions. In the last five years, climate-related disasters caused $326 billion in property damages in the U.S., with insurance premiums rising 23% annually. Real estate contributes approximately 40% of global carbon emissions, and by 2050, $35 trillion in real estate assets will be exposed to climate risks globally, threatening economies, communities, and the environment. We've conducted 80+ interviews with real estate investors, REITs, asset managers, and insurers, and uncovered the same issue everywhere: there’s no fast, reliable, asset-specific tools to accurately price climate risks and connect them directly to financial outcomes. Existing platforms like FEMA, Munich Re, and ClimateX offer generalized, slow (weeks-long), regional assessments disconnected from critical financial metrics such as asset valuation, insurance premium adjustments, and ROI on mitigation investments. Investors making 9-figure decisions within tight 10–20 day due diligence windows are left without precise, actionable guidance. Increasing regulatory pressures—including Local Law 97, SEC climate disclosures, and the EU’s CSRD—further exacerbate this urgency by rendering assets unsellable overnight if unmanaged.

Mendria is the first platform to deliver fast, asset-specific climate risk and financial models to real estate investment firms, investors, and asset managers within 48 hours—providing clear recommendations to Hold, Sell, or Mitigate and helping protect and unlock billions in asset value by reducing premium hikes, avoiding stranded asset risk, and capturing missed upside. We analyze 20+ building-level features, such as elevation, HVAC placement, structural materials, and flood defenses, combined with localized climate hazard models, insurance pricing trends, and regulatory overlays (e.g. Local Law 97, SEC disclosures). Our AI models forecast financial losses, predict premium hikes, estimate cost of inaction, and calculate ROI on mitigation. These outputs are synthesized into a decision-ready report that plugs directly into due diligence, underwriting, and portfolio workflows. Unlike incumbents like FEMA, Munich Re, and ClimateX, built for broad insurance portfolios and regulatory reporting, Mendria is purpose-built for real estate: it's faster, financially actionable, and tailored to meet 10–20 day deal timelines. We're in conversation with firms managing $20B+ in AUM and are backed by 100+ climate scientists and professors at Harvard, MIT and Columbia, including Nobel and Tyler Prize winners, to ensure that we’re building the most credible mitigation guidance in the market.

Mendria serves real estate investors, REIT asset managers, insurance underwriters, and private equity analysts who must accurately quantify climate risks and financial impacts for high-value properties but are currently underserved by slow, generalized tools. Today, 70%+ of institutional real estate investors say climate risk assessments directly influence their investment decisions (Urban Land Institute, 2023), yet they're forced to rely on generalized, regional-level reports requiring weeks of lead time—far exceeding their 10–20 day diligence windows. Insurance underwriters, facing an average annual premium increase of 23% nationally (Insurance Information Institute, 2023)—and over 200% in markets like Florida since 2019—are similarly constrained by a lack of precise, asset-level data. Mendria directly addresses these gaps, providing property-specific climate risk assessments within 48 hours, enabling investors to avoid costly losses (averaging $2.5M per flood-prone NYC asset, FEMA 2023), drastically reduce insurance premiums, and prioritize retrofit investments with demonstrated ROI (typically 3–5x per dollar spent). Adopting Mendria in just 5% of properties across major U.S. cities would redirect $100+ billion toward resilient infrastructure, cutting 20–40 million metric tons of CO₂ emissions and significantly strengthening climate and financial resilience. Ultimately, Mendria transforms climate risk management and shifts capital flows toward resilience and sustainable investment.