Beyond the Map: How Climate Data Portals Are Reshaping Risk Intelligence for the U.S. Economy
Three federal climate data portals—Climate Explorer, Climate Toolbox, and the National Climate Change Viewer—now offer downscaled CMIP5/CMIP6 projections across the contiguous U.S. While often viewed as scientific tools, this article argues they are actually the backbone of a emerging ''climate risk intelligence'' market. By analyzing their data pipelines (LOCA, MACA), update cycles (e.g., LOCA2 release in 2023), and variable coverage (from temperature to fire danger), we uncover how these portals enable a hidden economic logic: they are the critical infrastructure for insurance modeling, agricultural commodity hedging, and municipal bond ratings. This deep audit explores the slow transformation from raw climate models to actionable financial and operational risk metrics.