A financial figure for flood and storm risk at every store and distribution centre, plus site-specific warnings before an event. Your teams keep sites trading; finance sees the loss avoided.
The cost of a flood rarely shows up as one figure. It spreads across budgets, which is why many retailers underestimate their exposure until an event hits.
Where one store flood's cost lands
Illustrative split
Each day shut costs revenue that does not come back, and property cover often pays only part of the interruption.
A flood or power cut can write off a full store of perishables within hours.
When a depot floods or a route closes, shelves empty across every store it serves.
Town-centre stores and car parks flood from heavy rain where the river map shows low risk.
Hot spells push cooling harder and make stores harder to work in.
Measures need to work without landlord works: barriers and response plans.
A store manager is rarely a flood engineer, so the response must be simple to follow.
See these pressures for your own estate.
Book a free climate sessionSustainability, property, store operations and finance all work from the same site data.
See the annual average loss from flood, wind and wildfire at every store, depot and office, with heat figures coming soon. Adaptation measures are ranked by cost, so capital goes where it saves most.
Warnings are based on each site's own vulnerability and thresholds, with up to 48 hours of notice. Each alert comes with a runbook: deploy barriers, move stock or close early.
Every alert and response is logged with a timestamp. At renewal, show which sites are monitored, what was done before each event and what damage was avoided.
Produce physical risk disclosures aligned with IFRS S2, UK SRS, CSRD and ASRS from the same site data that drives the warnings. Your CFO sees exposure, the cost of inaction and the cost of each option as financial figures.
Existing clients can add a supply chain service that maps supplier locations against climate hazards, using location, product type and spend.
Available to existing clients.
Upload your store list once. From there your team runs it: add stores, set alerts and check every figure yourself.
Supermarkets, convenience stores, depots and distribution centres, with asset values and revenue per store.
Flood, wind and wildfire loss for each store and distribution centre, including building, contents and lost trading days.
Choose who gets each alert (store manager, regional manager or facilities) and the checklist they follow: barriers, moving chilled stock or closing early.
Start with the stores and depots that flooded before, then add the rest of your retail estate.
Screen new stores and lease renewals before you sign, and remove closed stores whenever you need.
Discover how SmartResilience platform is helping Sainsbury's to minimise the impact of flooding at stores across the UK.
Read the storyWinner of two CIR Risk Management Awards in 2025. Every figure traces back to recognised climate data your auditor can check.
Learn moreFlood maps at 30m resolution worldwide and 5m in the UK, so every site gets the same method.
Climate scientists build and review the models. No AI is used in the climate modelling.
Assumptions, sources and change logs, exportable for your auditor. Hazard data and models are reviewed every six months.
For many retail estates, flooding from rivers and surface water tends to cause the largest losses, with storm damage and heat also significant. Food retailers carry extra exposure through perishable stock and refrigeration, and through suppliers in regions affected by drought and heat. The balance differs by estate, which is why a site-by-site assessment comes first.
A common measure is annual average loss: the damage and disruption a site can expect in an average year, expressed as a financial figure. The cost of a 1-in-200 year event shows the loss in a severe year. SmartResilience calculates both for flood, wind and wildfire at every store and depot, under three emissions scenarios and time horizons up to 2090. Heat figures are coming soon.
For each site, the platform estimates hazard levels at different return periods, such as flood depth in a 1-in-100 year event. A damage curve for that building type turns each level into the share of asset value lost, and averaging gives the annual average loss. The data comes from recognised sources, including CMIP6 climate projections, JBA flood maps, ERA5 wind data and WRI Aqueduct, and you can trace every figure back to its source.
A consultancy report gives a snapshot that firms typically refresh every one to two years. SmartResilience keeps the assessment live: you add or remove stores at any time, the figures update, and the same data drives site-specific warnings and the adaptation ranking. Your teams act on it between reporting cycles as well as at year end.
Environment Agency alerts cover areas, apply the same message to every property in them and usually arrive 12 to 24 hours ahead. Site-specific warnings compare forecasts and river gauge readings with each site's own thresholds, giving up to 48 hours of notice, so a store team receives an alert when its own site is at risk, with a pre-configured response that says what to do. At Sainsbury's, the store team received 12 hours of warning before a flood.
A typical site receives 2 to 3 Orange or Red alerts a year. Only those notify your team, while Yellow conditions go into a daily summary. Thresholds start from the river gauge and weather data for each site, and your team can adjust them at any time.
Yes. Many effective measures need no structural work, such as temporary flood barriers, moving stock to height and pre-agreed closure plans. The adaptation ranking shows which temporary and permanent measures make sense at each site, so you can raise the permanent ones with your landlord when they pay back.
Yes. Insurers increasingly ask for evidence of active risk management. The platform logs every alert, every action and every outcome, and produces mitigation evidence packs your broker can share with insurers at renewal.
Yes. The platform produces IFRS S2 aligned physical risk disclosures and supports UK SRS S2, CSRD and ASRS, using the same site data that drives the warnings, so you report one set of figures to your auditor, board and investors. It also models transition risk, such as carbon price, energy price and supplier risk, using your Scope 1 and 2 emissions; emissions accounting itself sits with other providers. Organisations should take independent legal and accounting advice on their specific reporting obligations.
Existing clients can add a supply chain service that maps suppliers against climate hazards using supplier location, product type and spend. Your sourcing and procurement teams can use it themselves after set-up.
A site list with addresses is enough to start. Asset values and revenue per site let the platform calculate financial loss more precisely. You upload the list and the platform calculates the figures.
Most clients are onboarded within one to two weeks, starting with their highest-risk sites and adding more over time.
Yes. Your property team can check a location's exposure and expected annual loss before committing, so climate risk becomes part of site selection.
Yes. Multi-site retailers with stores, warehouses and distribution centres face similar flood, storm and heat exposure, whatever they sell.
Bring a list of your stores and depots. In one session, see how exposure, warnings and the adaptation ranking would look for your estate.
