Climate resilience

Climate risk intelligence for buildings, infrastructure and the people who depend on them.

NOAH Intelligence simulates real climate events on every property and asset in your community, then turns the results into decisions: where to invest, what to fix first, and what each property owner can do next.

A streetcar stranded on a flooded Toronto street at night as police officers run through the water

The Climate Risk Problem

Climate change is turning extreme weather into a cost every community and organization carries. The Canadian Climate Institute estimates that climate damage is already slowing Canada’s economy by $25 billion a year, rising to between $78 billion and $101 billion a year by 2050 without stronger adaptation. Cities, lenders, insurers, property owners and citizens each carry a share of these rising costs and risks.

September 2, 2026

Our Solution Framework

Addressing climate risk relies on three things: knowing the hazard, knowing how each property is exposed to it, and knowing what to do about it.

Hazard

Accurate hazard modelling is the starting point, but the data has too often been fragmented and siloed. Without a clear, shared view of risk, no one can act with confidence.

Vulnerability

Knowing the hazard is not enough. Each property responds differently to the same climate risk, and until now property-specific vulnerability assessments have been too expensive to scale across a country.

Resilience

Once the risk to a property is understood, owners and managers need to know how to reduce it, what it will cost and what return they can expect.

NOAH was built to bring these three pillars together for every property, from office towers, train stations and military bases to hospitals, schools and individual homes.

Hazard + Vulnerability + Resilience = climate adaptation for everyone.

How NOAH Works

One flood model sits underneath both products, so a city’s capital plan and a homeowner’s checklist are always working from the same data.

The engine

HydroSim

Physics-based simulation of real historic storms, design storms and climate-adjusted storms on every property and asset.

How HydroSim works

For institutions

CityTwin

A licensed digital twin of your community’s flood risk. Scores every property, road segment, culvert and facility so you can prioritize capital and maintenance.

Explore CityTwin

For each building

NOAH Inspect

A property-level vulnerability assessment with a resilience recommendation engine, designed to show how each building is exposed and which measures will protect it.

How NOAH Inspect works

NOAHCLIMATEGUARDIllustrative

24 Example Avenue, TorontoNOAH Inspect: example date

My ScoreMy Plan

64/100

Moderate resilience

Hazard is how much water reaches the property, Vulnerability how badly it would damage it, and Resilience how much of the damage is prevented.

Minimal0–25

Minor25–50

Moderate50–70

Considerable70–85

High85–95

Maximum95–100

Minimal0–25

Minor25–50

Moderate50–70

Considerable70–85

High85–95

Maximum95–100

Low resilienceResilient

Hazard

Moderate hazard

Vulnerability

High vulnerability

Resilience

Moderate resilience

For property owners

ClimateGuard

A resilience platform, available under your brand, that gives each owner a hazard scorecard, an inspection and a practical plan to reduce flood damage.

Explore ClimateGuard

See how the products connect

How NOAH Is Addressing Urban Flooding

Organizations that adapt well to a changing climate focus on five priorities.

Acute and chronic hazards

HydroSim tests every property against real historic storms, design storms and climate-adjusted rainfall, so today’s extreme events and tomorrow’s changing climate are measured on one scale.

Asset and system vulnerability

CityTwin scores road segments, culverts and facilities and shows how water moves between them. NOAH Inspect is designed to assess each individual building.

Measurable adaptation plans

Every asset and property benefits from an NCRI score, an Expected Annual Loss and a ranked plan, so you can see how much risk each investment removes.

Evidence for insurers and capital providers

ClimateGuard records completed resilience measures year over year, creating a documented history that insurers, lenders and investors can use.

Shared action across boundaries

One shared model connects cities, residents, lenders and insurers, so everyone works from the same picture of risk.

Who We Serve

Municipalities

Prioritize stormwater capital, protect roads and facilities, and give residents a clear path to action.

For municipalities

Lenders and Credit Unions

See flood risk across your mortgage book and offer members a practical resilience service.

For lenders

Property Owners

Score every home in your portfolio and direct retrofit dollars where they reduce the most damage.

For property owners

Insurers

Property-level hazard and vulnerability data, and evidence on which resilience measures reduce losses.

For insurers

Infrastructure and Asset Managers

Score roads, utilities and facilities across large and national portfolios, and plan capital to keep critical services running.

For infrastructure and asset managers

Working with

NOAH HydroSim

Physics-based flood simulation, property by property.

HydroSim is the engine behind CityTwin and ClimateGuard. Instead of extrapolating from trends, it simulates how real storms move water across the ground and through the system, down to each building.

464,651properties modelled

235,115city assets modelled

The Storms We Test

Every property is tested against 10 storms.

Real historic storms

Five extreme rainfall events that actually occurred in the property’s climate region.

Design storms

Standard engineering events such as the 1-in-25-year and 1-in-100-year storm.

Climate-adjusted storms

The same events scaled to reflect future rainfall, so plans hold up over the life of the asset.

See an example property: all 10 storms

Storm	Rainfall	Deepest water	Water speed	Result
Design storms (5)
2-year storm	27.8 mm	12 cm	0.31 m/s	Flooded
5-year storm	40.3 mm	14 cm	0.49 m/s	Flooded
10-year storm	48.2 mm	15 cm	0.55 m/s	Flooded
50-year storm	66.6 mm	17 cm	0.66 m/s	Flooded
100-year storm	74.4 mm	18 cm	0.70 m/s	Flooded
Real storms (5)
August 8, 2021	90 mm	21 cm	0.97 m/s	Flooded
May 1, 2017	100 mm	21 cm	0.97 m/s	Flooded
August 17, 2024	128.4 mm	24 cm	1.19 m/s	Flooded
August 19, 2005	153 mm	27 cm	1.42 m/s	Flooded
August 1, 2024	173 mm	29 cm	1.5 m/s	Flooded

10 of 10 storms reach this property (10 cm or more on the lot). Example property in Toronto, from the Flood Diagnostic Tool.

What HydroSim Produces

Flood depth

How deep water gets at each property and road segment.

Water velocity

How fast water moves, a key factor in safety and damage.

Flow paths

Where water comes from and where it goes.

Asset risk profiles

Hazard, vulnerability and resilience return on investment for properties, roads, culverts and facilities.

What One Property Sees

Every address gets the same picture in the Flood Diagnostic Tool. This one is an example lot in Toronto, in the deepest of the 10 storms (August 1, 2024).

Flood depth

Water 29 cm deep against a door, a person and a car, with lines at 30 cm (car tire), 80 cm (waist), 1.2 m (chest) and 2 m (top of a door)

Up to 29 cm of water on the lot, nearly up to a car’s tire line: enough to make driving out difficult, and a risk for buildings with low windows or doorways.

Water speed

Fast-moving water pushes on people and buildings. At this speed, standing or walking in the water is difficult and floating debris can hit what it reaches.

More detail: depth × speed, and how the area compares

Depth × speed

Flood hazard depends on depth and speed together. Here the water is about 0.44 m²/s (29 cm × 1.5 m/s), past the first safety line.

How the area compares

How many of the 10 storms reach each property.

10/10This property

1.6/10Toronto average

28%Flood in at least one storm

Toronto, 464,644 properties modelled; 128,068 of them flood in at least one storm.

Example property from the Flood Diagnostic Tool; no address shown.

NOAH CityTwin

A digital twin of climate risk for your whole municipality.

CityTwin models how real storms move through your streets, pipes and properties, and scores every asset by risk and by the return on fixing it. Staff in every department work from the same picture.

What CityTwin Does

Citywide flood model

Every property and right of way tested against real historic storms, design storms and climate-adjusted storms.

Asset scoring

Road segments, culverts and facilities scored for flood hazard and for the return on investing in them.

Property scorecards

An NCRI score and Expected Annual Loss for every property, searchable by address, ward or subwatershed.

Climate scenarios

Compare today’s risk with future rainfall to plan capital over the life of the asset.

Asset management

Link flood risk to your asset registry to prioritize capital, maintenance and inspections.

Resident engagement

Connect to ClimateGuard so residents can look up their own risk and take action under the City’s brand.

Who Uses CityTwin

One licence, shared across departments. Each team sees the layers that matter to its work.

Stormwater and Water

Find where the system floods first and test which upgrades reduce the most damage.

Transportation

Road-level flood depth to plan detours, protect critical routes and schedule maintenance.

Asset Management

Risk and return scores to rank capital projects and support council decisions.

Planning and Development

Understand flood risk before approving growth or redevelopment.

Emergency Management

Know which streets, facilities and residents are exposed before the storm arrives.

Climate and Sustainability

Evidence for adaptation plans, funding applications and public reporting.

A police car standing in floodwater outside a building

How a CityTwin Licence Works

CityTwin is one shared platform that your city licenses and configures. You can start small, by subwatershed or department, and add features as budgets allow.

Scoping call

We agree on the outcomes that matter most to your departments.

Configuration

We set up CityTwin for your city. Your data improves the model, but we don’t need it to start.

Trial licence

Your teams use CityTwin on real decisions during a trial period.

Grow by phase

Add subwatersheds, departments and features from a menu, priced to what you select.

See It in Action

From the storm model to the city’s decisions, in two short clips from NOAH’s critical assets video.

HydroSim · 30 seconds

CityTwin · 1 minute

NOAH ClimateGuard

A climate resilience plan for every property.

ClimateGuard gives each property owner a hazard scorecard, an inspection and a step-by-step plan to reduce flood damage, renewed every year. Cities, lenders and housing providers offer it under their own brand.

NOAHCLIMATEGUARDIllustrative

24 Example Avenue, TorontoNOAH Inspect: example date

My ScoreMy Plan

64/100

Moderate resilience

Hazard is how much water reaches the property, Vulnerability how badly it would damage it, and Resilience how much of the damage is prevented.

Minimal0–25

Minor25–50

Moderate50–70

Considerable70–85

High85–95

Maximum95–100

Minimal0–25

Minor25–50

Moderate50–70

Considerable70–85

High85–95

Maximum95–100

Low resilienceResilient

Hazard

Moderate hazard

Floods in 7 of the 10 storms we model.

Vulnerability

High vulnerability

A level below ground · floor 30–50 cm above the ground Estimated

Resilience

Moderate resilience

Backwater valveFitted

Backup power for the sump pumpNot fitted

24 Example Avenue, TorontoNOAH Inspect: example date

My ScoreMy Plan

Recommended fixes

Add battery backup to the sump pump
The pump stops in a power cut, when it is most needed.$400–$1,500

Subsidy: [programme] · Apply Mark as done

Seal the doors and fit thresholds at ground level
Water reaches the lot in most storms we model.$50–$250 per door

Subsidy: [programme] · Apply Mark as done

Confirm and measure

Socket height on the lower levelEnter the measurement

Keep it working · before the spring thaw

Test the sump pumpDone today

How It Works for Property Owners

Look up the property

Search an address to see its NCRI score and how water reaches it.

NOAH Inspect

A guided vulnerability assessment of the building: entry points, drainage, grading and existing protection.

A practical plan

Recommended measures ranked by impact, from backwater valves and sump pumps to backup power and grading.

Track progress

Check off completed work and see the property’s resilience improve year over year.

See the Property in 3D

Owners can turn the building, pick a storm and switch layers on and off: lot lines, buildings, water on the lot and the sewer under the street.

Drag to turn, scroll or pinch to zoom. Needs an internet connection.

Two Versions

A red brick house with a front porch and garden

Residential

Built for homeowners and tenants: plain language, DIY steps and guidance on when to call a professional.

Commercial, Industrial and Institutional

Built for facility and portfolio managers: site-level detail, engineered measures and reporting across buildings.

See It in Action

Watch how NOAH Inspect and ClimateGuard take one building from the sidewalk to a plan, in under a minute and a half.

NOAH Climate Resiliency Index

A resilience score for every property, built for financial decisions.

The NCRI is NOAH’s property-level resilience score from 0 to 100. It runs through every NOAH product and turns simulated flooding into expected damage, as a score and as Expected Annual Loss.

NCRI · example property

64/100

Moderate resilience

Minimal0–25

Minor25–50

Moderate50–70

Considerable70–85

High85–95

Maximum95–100

Minimal0–25

Minor25–50

Moderate50–70

Considerable70–85

High85–95

Maximum95–100

Low resilienceResilient

Hazard

Moderate hazard

How much water reaches the property.

Vulnerability

High vulnerability

How badly it would damage the property.

Resilience

Moderate resilience

How much of the damage is prevented.

Illustrative example, not a real property.

How the Score Works

The NCRI follows one damage estimate through three questions. Each answer refines it, and the final estimate becomes the score.

Hazard

How much water reaches the property.

How severe is the flooding at this location? HydroSim’s simulated flood depth, independent of the building.

Vulnerability

How badly it would damage the property.

How badly would this building be damaged? Its type, height, first-floor level and basement determine how flood depth becomes damage.

Resilience

How much of the damage is prevented.

How much damage do protective measures prevent? Backwater valves, sump pumps, backup power and elevation each lower the effective flood depth.

What the Score Means

A score of 100 means no expected flood damage. Lower scores mean more of the building’s value is at risk.

95–100

Maximum resilience

Expected damage: Under 5% of replacement value

Minimal exposure; no significant vulnerability.

85–95

High resilience

Expected damage: 5 to 15% of replacement value

Strong resilience; vulnerabilities are addressable.

70–85

Considerable resilience

Expected damage: 15 to 30% of replacement value

Operational with limits; protective measures likely effective.

50–70

Moderate resilience

Expected damage: 30 to 50% of replacement value

Significant exposure; some factors outside the owner’s control.

25–50

Minor resilience

Expected damage: 50 to 75% of replacement value

Major vulnerabilities; targeted mitigation warranted.

0–25

Minimal resilience

Expected damage: Over 75% of replacement value

Catastrophic exposure; professional intervention required.

Who We Serve: Municipalities

Climate risk intelligence for municipalities.

Prioritize stormwater capital, protect roads and facilities, and give residents a clear path to action, all from one shared model of your city.

The Challenge

More intense rain is overwhelming systems designed for a different climate.

Capital budgets are limited, and council needs evidence for where each dollar reduces the most damage.

Departments hold different pieces of the flood picture, and residents rarely know what they can do themselves.

How NOAH Helps

For City staff

CityTwin

A shared, licensed model scoring every property, road segment, culvert and facility. Start with one subwatershed and grow.

Learn more

For residents

ClimateGuard

A City-branded tool that lets residents look up their risk and work through a resilience plan.

Learn more

Who We Serve: Lenders and Credit Unions

Climate risk intelligence for lenders and credit unions.

See flood risk across your mortgage book, and offer members a practical way to protect their homes.

The Challenge

Flood damage is one of the largest climate risks sitting inside residential mortgage portfolios.

Floodplain maps miss most urban flooding, so risk is invisible at origination and renewal.

Members want help, but generic advice doesn’t tell them what to do about their own home.

How NOAH Helps

For your staff

CityTwin

Look up flood risk on any property in your market and see exposure across your portfolio.

Learn more

For your members

ClimateGuard

A member service under your brand: a hazard scorecard, an inspection and a DIY resilience plan.

Learn more

For risk and ESG teams

Annual Resilience Reporting

Portfolio-level evidence of climate risk across your mortgage book, tracked year over year and backed by dollars, for climate disclosure and board reporting.

Learn more

Who We Serve: Property Owners

Climate risk intelligence for homeowners, housing providers and real estate owners.

Score every home and building, from a single house to a full portfolio, and direct retrofit dollars where they reduce the most damage.

The Challenge

Floods, storms and extreme heat damage homes, displace tenants and drive up insurance and maintenance costs.

Rising insurance premiums and repair bills are making homes harder to afford and portfolios harder to finance, and some properties are becoming uninsurable.

Retrofit budgets are limited, and it’s hard to know which homes and buildings to fix first or which measures will pay back.

Lenders, funders and boards increasingly ask for evidence of climate risk and resilience before they invest.

How NOAH Helps

For portfolio managers

CityTwin

A resilience score for every property in your portfolio, ranked by climate hazard and by the return on retrofitting, so limited budgets go where they reduce the most damage.

Learn more

For homeowners and each building

ClimateGuard and NOAH Inspect

A consistent vulnerability assessment and retrofit plan for every home and building, showing what each fix costs, what it saves and how it can help keep insurance affordable.

Learn more

For lenders, boards and funders

Annual Resilience Reporting

Portfolio-level evidence of climate risk reduced and resilience gained, tracked year over year and backed by dollars.

Learn more

Who We Serve: Insurers

Climate risk intelligence for insurers.

Property-level hazard and vulnerability data, and research into which resilience measures actually reduce losses.

The Challenge

Pluvial and sewer backup flooding drive a large share of residential water claims.

Hazard data alone can’t tell you how a specific building will respond.

There is little hard evidence on which resilience measures reduce claims, and by how much.

How NOAH Helps

For pricing and underwriting

HydroSim data

Flood depth, velocity, an NCRI score and Expected Annual Loss for individual properties.

Learn more

For vulnerability

NOAH Inspect

Building-level information on entry points, drainage and existing protection.

Learn more

For loss prevention

Research partnerships

We’re working with insurers to measure how measures like backwater valves, sump pumps and backup power affect losses.

Learn more

Who We Serve: Infrastructure and Asset Managers

Climate risk intelligence for infrastructure and asset managers.

Score roads, utilities, facilities and property across large and national portfolios, and plan capital to keep critical services running.

A concrete stormwater channel running under a road

The Challenge

Large portfolios span many regions, each with different flood exposure and changing rainfall.

Infrastructure failures cascade: a flooded road, culvert or facility affects everything that depends on it.

Capital plans run decades ahead, so they need to account for the future climate, not just past events.

How NOAH Helps

For portfolio and engineering teams

CityTwin

Hazard and return-on-investment scores for every road, culvert, facility and property across your whole portfolio.

Learn more

For engineering analysis

HydroSim

Physics-based simulation of historic, design and climate-adjusted storms at each site, with flood depth, velocity and flow paths.

Learn more

For site teams

ClimateGuard and NOAH Inspect

A site-level vulnerability assessment and a tracked resilience plan for each facility.

Learn more

About NOAH

Engineering, science and innovation.Building the shared picture of climate risk.

NOAH Intelligence Inc. is a Canadian company that helps communities understand climate risk at the level of every property and asset, and act on it.

Our Story

NOAH began with decades of work analyzing rainfall, studying how cities flood, and designing flood defences and stormwater systems for residential, commercial, industrial and institutional sites in Canada and around the world.

We combined that civil engineering experience with physics-based simulation to build HydroSim, and then built CityTwin and ClimateGuard so the people who manage climate risk and the people who live with it can work from the same data.

Our mission is to make climate resilience available to everyone. We invest in technologies that reduce the cost and complexity of hazard modelling, vulnerability assessment and resilience decision making, so that every asset owner, city, lender and insurer can understand their risk and act on it.

Perspectives

Research, perspectives and news on urban flood risk and adaptation from the NOAH team.

Heavy rain floods a downtown street as cars push through standing water

Municipalities

Your City Wasn’t Built for This Rain

April 27, 2026

Warmer air holds more water, and urban drainage was sized for a climate that no longer exists. Why the answer is precision: targeted fixes where they matter most, and action at every property.

Read

Product

Why We Built NOAH CityTwin

February 6, 2026

Read

Floodwater rising above the basement windows of a house

Research

Flood Risk Transparency is the Starting Point for Resilience

February 3, 2026

Read

A road and its curve sign submerged by floodwater

Research

Canada’s Emerging Adaptation Market

January 27, 2026

Read

Finance and Insurance

Why Insurers and Investors Need Better Flood Data

June 13, 2025

Read

Company

Rethinking Flood Risk: An Interview with NOAH’s Founders

March 6, 2025

Read

Founders

Chris Godsall

Co-Founder and CEO

Chris Godsall builds transformative Canadian technology companies that lead their global categories. As co-founder and CEO of NOAH Intelligence Inc., he brings that experience to property-level climate risk intelligence for cities, lenders, insurers and property owners.

Chris co-founded and led Ziva Dynamics, the global leader in physics-based simulation of soft tissue, whose customers included Apple, Nokia, Sony, Nike and Warner Brothers. Ziva was acquired by Unity. Before Ziva, he founded and led Triton Resources, the global leader in underwater timber recovery, using submersible robotics in hydro reservoirs on three continents to become the world’s largest supplier of reclaimed wood. Triton was acquired by Voltalia. At NOAH, Chris combines both: physics-based simulation applied to water and climate risk.

Alongside his technology ventures, Chris has led social and environmental initiatives for nearly 30 years. He co-founded Santropol Roulant, a Montreal non-profit that mobilizes youth to address social isolation among seniors and has become a model for sustainable community living.

Chris’s work has been featured in Wired, The Wall Street Journal, Scientific American, The Globe and Mail, NBC News and Popular Science. In 2018, he received the Meritorious Service Medal from the Government of Canada. He holds an MSc in Business and Sustainability from the University of Bath and two undergraduate degrees from McGill University.

Steve van Haren, P.Eng.

Co-Founder and President

Steve van Haren is a recognized leader in water resources engineering with 27 years of experience. As co-founder and President of NOAH Intelligence Inc., he brings that expertise to the hydrology and hydraulics behind NOAH’s property-level flood risk modelling.

Steve’s work focuses on surface water management in complex urban systems. He has led flood risk assessments, hydrology and hydraulics modelling, and stormwater management design for institutional, commercial and residential sites of every scale. His specialty is urban flooding and low impact development (LID), and he was part of the team that helped the City of Toronto evaluate the benefits of LID in implementing its Wet Weather Flow Management Master Plan.

He has integrated naturalized, vegetative and green stormwater strategies into designs that meet regulatory requirements while enhancing each site. His work has supported projects pursuing LEED and Envision certification, as well as non-typical applications where standard solutions fall short. At NOAH, he is an innovator in physical modelling, simulating how water moves through urban systems down to the individual property.

Steve brings multidisciplinary teams to clear decisions. He translates complex technical issues for municipal, institutional and private sector audiences, and has guided projects through challenging cross-discipline approvals. He is a named inventor on NOAH’s patent applications in flood risk modelling and property protection.

Contact Us

Tell us about your climate risk project

Get in Touch

All insights

Insights: Municipalities

Your City Wasn’t Built for This Rain

April 27, 2026

Climate change is often talked about in terms of heat, but one of its most immediate impacts is water in the atmosphere.

As the atmosphere warms, it can hold more moisture. In fact, for every degree Celsius increase in temperature, the air can hold about 7% more water vapor. That extra moisture has to go somewhere. When conditions are right, it falls as rain, often quickly, intensely, and in concentrated bursts. Add to that warmer oceans (which fuel storms) and shifting weather patterns that can cause storms to stall over one area, and you get a new reality: heavier, more unpredictable rainfall.

The challenge is that our cities were not built for this version of the climate.

Most urban drainage systems (storm sewers, culverts, retention basins, etc.) were sized using historical rainfall data. Engineers planned for what used to be considered “extreme” events, like a once-in-100-year storm.

But those assumptions are breaking down. What was once rare is becoming more frequent. The infrastructure’s peak flow capacity that worked well for decades is now being pushed beyond its limits.

At the same time, cities have become more paved and denser. Water has fewer places to go for short duration storage. When it rains heavily, it runs off quickly, with higher flows that overwhelm systems that were never designed for that volume or intensity. The result is distressingly familiar: flooded streets, backed-up sewers, and water entering homes, sometimes on one block but not the next.

So what can cities do?

The instinctive answer might be to upgrade everything and to rebuild entire drainage systems. But that’s rarely feasible. The costs often run into billions; the disruption is massive, and the timeline stretches over decades. Instead, cities are facing a different kind of challenge: how to be precise.

Flood risk is not evenly distributed. Often, a single bottleneck at a small culvert or an undersized pipe can affect hundreds of properties. Fixing that one constraint can dramatically reduce risk across an entire neighborhood. The goal is no longer to build bigger systems everywhere, but to make targeted, high-impact investments where they matter most.

But infrastructure is only part of the equation.

A significant portion of flood risk exists at the property level. Basement vulnerabilities, poor grading, and lack of backflow protection are all common factors that often determine whether a building floods or not, often before runoff gets to the street. Even a well-functioning city system can’t fully protect a property that isn’t prepared. That means adaptation must happen not just at the city level on public property, but at the level of individual homes and buildings.

This is where a more integrated approach becomes essential.

NOAH’s CityTwin™ helps cities see the full picture. It models how water moves through infrastructure during extreme storms, identifies system constraints, and shows where investments will reduce the most risk. It gives municipalities the ability to allocate capital more effectively, moving from broad spending to targeted action, maximizing resilience.

NOAH’s ClimateGuard™ brings that same level of clarity to the property level. It provides building-specific risk insights, recommends practical mitigation steps, and tracks improvements over time. It helps property owners understand their risk and, importantly, what they can do about it.

Together, they create a coordinated adaptation platform. CityTwin™ helps cities decide where to act. ClimateGuard™ helps residents and property owners take action. One addresses infrastructure. The other addresses individual properties.

In a world of increasing rainfall and rising risk, resilience is no longer just about infrastructure. It’s about alignment between cities, citizens, and the data that connects them.

That’s how climate adaptation in cities becomes not just possible, but scalable.

All insights

Insights: Product

Why We Built NOAH CityTwin

February 6, 2026

A recent article in The Energy Mix highlights a growing risk that many municipal leaders already feel on the ground: cities that fail to properly assess climate risk are setting themselves up for long-term financial and infrastructure instability. In the United States, researchers are now documenting a “climate-debt doom loop,” where repeated climate shocks erode property values, weaken municipal tax bases, and make it increasingly difficult to finance the resilience investments communities need to remain safe and solvent. Canada is not immune to this dynamic. While our municipal finance system differs from that of the U.S., the underlying risk exposure is the same. Climate impacts are accelerating, infrastructure is aging, and many municipalities lack the tools needed to understand their true risk, let alone to prioritize and finance adaptation in a disciplined, defensible way. This is the gap NOAH CityTwin™ was created to address.

The Need for Decision-Grade Insights

Most municipalities today are not ignoring climate change. The challenge is structural rather than motivational. Cities are being asked to make multi-decade infrastructure decisions about stormwater systems, roads, buildings, and emergency response using tools that were never designed to account for compounding climate risk. Climate studies often arrive as static reports. Engineering assessments live in separate silos. Financial planning models rarely integrate physical risk in a meaningful way. The result is a disconnect between climate science and capital planning, between risk awareness and investment prioritization, and between adaptation intent and implementable projects. NOAH CityTwin™ was built to close that gap.

From Reports to Living City-Scale Intelligence

NOAH CityTwin™ is a city-scale climate intelligence and digital twin platform that allows municipalities to see, test, and act on climate risk in an integrated decision environment. Rather than producing another report, the platform creates a living digital representation of a city, bringing together climate hazards, infrastructure assets, and financial implications in a queryable single system. Municipal leaders can quantify physical climate risk, evaluate vulnerability across asset classes, test adaptation scenarios, and understand trade-offs before capital is committed. This enables a shift from reactive responses to proactive, evidence-based decisions grounded not only in climate projections, but in how those projections interact with real infrastructure and real budgets.

Making Climate Adaptation Capital-Ready

One of the most important insights raised in The Energy Mix article is that climate adaptation struggles to attract capital not because it lacks value, but because that value is rarely made legible to financial decision-makers. Adaptation reduces risk, protects tax bases, and avoids future losses, yet those benefits are often diffuse, long-dated, and difficult to quantify. NOAH CityTwin™ was designed to change that dynamic. By translating physical climate risk into prioritized, defensible investment pathways, the platform helps municipalities and their partners turn resilience into projects that can be evaluated, financed, and delivered. In doing so, it creates a bridge between climate science, engineering, insurance, and capital, allowing adaptation to be treated not as a cost centre, but as a strategic investment in long-term fiscal stability.

Scaling Capacity Across Municipalities

The article also underscores another reality: many Canadian municipalities, particularly smaller and mid-sized communities, simply do not have the internal capacity to conduct sophisticated climate risk assessments. NOAH CityTwin™ is built to scale across that reality. By providing a shared, standardized, and technically rigorous platform, it gives communities of different sizes access to the same level of decision-grade climate intelligence, helping ensure that resilience planning is not limited to the largest or best-resourced cities.

Why This Matters Now

We built NOAH CityTwin™ because the next phase of climate adaptation will not be won by awareness alone. It will be won by communities that can clearly understand their risk, prioritize investments with confidence, attract capital and insurance support, and make resilience a measurable part of long-term planning. As climate impacts intensify, the cost of inaction accrues interest. The choice facing municipalities is no longer whether to adapt, but whether they will do so deliberately or be forced into it by crisis. NOAH CityTwin™ exists to give cities the clarity, confidence, and tools they need to choose the former.

All insights

Insights: Research

Flood Risk Transparency is the Starting Point for Resilience

February 3, 2026

A recent Canadian Press article published by CTV on climate risk and house shopping highlights a quiet but important shift underway in Canada’s housing market: flood risk is no longer a secondary concern. It is becoming a first-order consideration for buyers, homeowners, and real estate professionals alike.

The article notes practical red flags, like basement vulnerabilities, alongside a deeper structural problem: flood risk information in Canada remains fragmented, inconsistent, and difficult for the public to interpret. As extreme rainfall becomes more common, that lack of transparency is itself a source of risk.

Flood risk transparency is not the end goal. But it is the necessary beginning.

Why Transparency Comes First

As the article makes clear, most people don’t realize they are exposed to flood risk until after a loss. In most cities, the dominant driver of damage is surface water overwhelming stormwater systems that were designed for a different climate and much less rainfall.

Without clear, asset-level information, buyers are forced to guess, owners are forced to react, and asset managers are forced to spread capital thinly across portfolios. Credible flood risk transparency changes that. When risk is visible and specific, it becomes something that can be planned for rather than feared.

This is true for an individual homeowner deciding whether to install a backflow valve, and it is equally true for a real estate asset manager deciding where resilience capital will have the greatest impact.

Resilience Is Mostly Practical and Affordable

One of the most hopeful takeaways from the article is how ordinary many effective solutions are. Grading, drainage, sump pumps, sewer backflow valves, alarms, and routine maintenance account for a large share of avoided losses. These are not speculative technologies or massive infrastructure projects. They are sensible interventions applied where they matter most.

For homeowners, the cost of these upgrades is often far less than a single uninsured flood event. For asset managers, targeted mitigation routinely outperforms cosmetic renovations in preserving long-term value and insurability.

The challenge has never been a lack of solutions. It has been a lack of clarity about which solutions are needed, where, and why.

Individual Action and Collective Responsibility

The Canadian Press article also underscores a critical point: not all flood risk can or should be managed at the individual property level. Many losses occur because of system-wide failures, like undersized storm sewers, blocked flow paths, or downstream bottlenecks that no single homeowner can fix.

This is where flood risk transparency becomes a coordination tool for cities and government agencies. When risks are mapped consistently across neighbourhoods and communities, it becomes possible to distinguish what should be addressed collectively through municipal investment from what can be handled individually through property-level upgrades.

That distinction is essential for effective resilience. It prevents overburdening homeowners with problems they cannot solve alone, while also avoiding public investments that could be more efficiently addressed at the asset level.

Resilience by Design

Resilience is not about eliminating risk. It is about understanding it well enough to manage it intelligently.

The hopeful message for homeowners and real estate asset managers is this: most flood losses are preventable, most solutions are sensible, and most investments are affordable. What has been missing is not capability, but transparency.

Flood risk transparency is the starting point. From there, resilience stops being an abstract aspiration and becomes a design problem that can be addressed step by step, property by property, and city by city.

That is how resilience is built: not through blind hope, but through intelligent design.

All insights

Insights: Research

Canada’s Emerging Adaptation Market

January 27, 2026

In December, NOAH participated in the MaRS Climate Impact 2025 Conference and the subsequent MaRS / Tailwind Futures Adaptation & Resilience Innovation Playbook.

Here are some key findings:

Executive Summary

Canada is already spending billions of dollars each year reacting to climate damage, yet the systems, markets, and technologies required to anticipate, price, and reduce physical climate risk remain underdeveloped. The MaRS / Tailwind Futures Canadian Adaptation and Resilience Innovation Playbook confirms what NOAH sees daily in the field: adaptation demand is real, growing, and costly, but poorly structured, reactive, and misaligned with innovation supply. NOAH exists precisely to close this gap.

The Problem: Reactive Spending, Invisible Risk

Across federal, provincial, and municipal governments, more than $3.5B was spent in 2024 on climate adaptation and resilience. However, this spending is:

Overwhelmingly reactive, dominated by disaster response, recovery, and infrastructure repair.
Narrowly focused, especially at the municipal level where over 90% of spending targets water and sanitation, largely through post-event upgrades.
Poorly translated into market demand, with limited mechanisms to signal needs to innovators or attract private capital.

At the same time, corporations overwhelmingly acknowledge physical climate risk but rarely quantify or invest in mitigation beyond core asset protection. Consumers bear growing costs, yet adaptation spending remains diffuse and largely unmeasured.

The result is a paradox: high and rising climate risk, massive public expenditure, and yet a weak, fragmented adaptation market.

The Innovation Mismatch: Where Capital Doesn’t Go

The Playbook identifies a stark misalignment between where climate risk is highest and where innovation capital flows:

Pure-play adaptation startups receive only 4% of climate-tech funding in Canada.
Venture investment is heavily concentrated in food and agriculture, while sectors with the greatest public exposure (urban flooding, stormwater, buildings, and infrastructure) remain undercapitalized.
A persistent “missing middle” exists between early validation and scalable deployment, especially for technologies serving municipalities and infrastructure owners.

These “hidden gem” sectors, such as water, cities, infrastructure, and mitigation are exactly where NOAH operates.

NOAH’s Role: Making Adaptation Investable

NOAH was built to address the structural failures identified in the Playbook:

1. Turning climate risk into measurable demand

NOAH’s HydroSim platform models flood behaviour and climate impacts at the property, asset, and neighbourhood scale, converting abstract risk into quantifiable exposure. This allows municipalities, insurers, and property owners to:

Identify priority investments
Compare mitigation options
Justify proactive spending before disasters occur

2. Bridging public demand and private capital

The Playbook highlights the difficulty of financing adaptation where buyers are public entities and returns are indirect. NOAH’s scorecards and decision tools create:

Clear economic cases for resilience investments
Asset-level insights that insurers, lenders, and owners can price and act on
A pathway for blended finance and incentive alignment

3. Operating in the “Hidden Gems”

Water, stormwater, and urban flooding dominate public adaptation budgets but lack scalable innovation. NOAH’s focus on urban hydrology, surface water flooding, and infrastructure interaction directly targets the sectors with the highest unmet demand.

Why This Matters Now

Even under aggressive emissions reduction scenarios, physical climate risk is locked in. As the Playbook makes clear, adaptation is no longer optional, but without better tools, Canada will continue to overspend on recovery while underinvesting in prevention.

NOAH represents a shift from:

Reaction → foresight
Aggregate budgets → asset-specific decisions
Moral arguments → measurable risk and return

Conclusion

The MaRS / Tailwind Futures Playbook confirms that Canada’s adaptation challenge is not a lack of awareness or funding, it is a market design problem. NOAH is purpose-built to solve that problem by making climate risk visible, decision-ready, and investable. In doing so, NOAH sits squarely at the intersection the Playbook identifies as most urgent: where public demand is highest, innovation supply is weakest, and the economic case for resilience is finally becoming unavoidable.

All insights

Insights: Finance and Insurance

Why Insurers and Investors Need Better Flood Data

June 13, 2025

As climate change accelerates, cities and property owners face increasing uncertainty around flood risk. Extreme rainfall events are becoming more intense and frequent, resulting in incomplete risk assessments, underprepared communities, and missed opportunities to fund and prioritize climate resilience.

At NOAH Intelligence, we know that escalating climate volatility demands better climate resiliency tools. NOAH HydroSim™ Flood Modelling sets the new standard, combining real-world event data with advanced simulation to generate truly actionable flood risk insights. It’s not just about predicting floods; it’s about equipping people, governments, and industries to prevent losses, protect lives, and build smarter for the future.

Traditional Flood Models

Conventional flood risk models often rely on climate projections applied across broad grid cells (often 10 to 100 km wide), failing to account for the highly localized nature of rainfall and stormwater runoff behavior. These models also tend to overlook the real-world complexities of urban infrastructure, like the drainage capacity and configuration of storm sewers, the elevation of basements, or the way water flows over different elevations in a neighborhood.

Critically, modelling procedure typically uses return period estimates based on historic rainfall intensity and frequency alone. But as climate change impacts grow, extreme events are becoming more common (e.g., what was once a 1-in-100-year storm may now be a 1-in-20-year event) and these projections no longer represent the true, dynamic risk of flooding from extreme rainfall.

What Makes NOAH HydroSim™ Different?

NOAH HydroSim™ Flood Modelling eliminates projection bias by anchoring flood risk in the physical realities of extreme weather. Our system incorporates a curated set of actual historic rainfall events that have occurred within the climate region of a given property, ensuring that NOAH simulations reflect real-world storm behavior, instead of focusing on theoretical trends.

Why This Matters for Cities, Insurers, and Investors

Unbiased, Property-Level Precision: NOAH HydroSim™ delivers risk profiles with real-world context, ideal for underwriting, investment decisions, and capital planning.
Better Scorecards, Smarter Decisions: NOAH’s Flood Risk Scorecards are physics-based outputs, enabling a higher standard of risk communication. Real estate owners can finally act on meaningful data, not approximations.
Unlocking Adaptation Finance: With adaptation funding still chronically underdelivered, particularly for cities, NOAH HydroSim™ provides the technical backbone needed for feasibility studies, pre-investment assessments, and bankable project proposals.
Future-Ready Infrastructure Planning: As rainfall patterns shift and infrastructure ages, property managers must assess vulnerabilities with the most advanced tools available. NOAH HydroSim™ provides the simulations needed to justify and prioritize upgrades before disaster strikes.

All insights

Insights: Company

Rethinking Flood Risk: An Interview with NOAH’s Founders

March 6, 2025. By Matt Skynner, Managing Director, R-LABS Canada

Steve van Haren and Chris Godsall are sitting in the head office of NOAH Intelligence, looking out the window at Toronto’s Union Station across the street.

“The flooding last summer, and the flooding in 2013 and 2018, was predictable,” says van Haren, a former Principal Water Resources Engineer with WSP. He points to the train station that was shut down last July 16th by three hours of heavy rain from trailing thunderstorms. Flooding from the storms caused $990 million of property damage in the Toronto region.

The co-founders of NOAH have very different backgrounds, but you could easily assume they’ve known each other all their lives, and might comfortably finish the other’s sentences.

“Flooding obeys the laws of physics,” says Godsall, whose last venture, a physics-based simulation technology company, was acquired by Unity Technologies in San Francisco.

“When we properly model the physics of flooding,” says van Haren, “Then accurate flood risk prediction for all of these buildings finally becomes possible.”

Van Haren finishes his sentence by panning from east to west in the direction of Sewershed 42, one of sixty-seven sewersheds in Toronto. The area contains property that NOAH estimates is worth over a trillion dollars. It was among the worst affected last summer when the sudden rain overwhelmed drainage systems. Van Haren knows that many of the buildings are vulnerable to climate risk and that most owners are deprived of accurate flood risk data.

Few, if any, have more experience understanding flood risk than van Haren. As one of Canada’s leading stormwater engineers, he spent two and half decades analyzing and designing flood mitigation, enhanced flood modelling, flood defense, control and flood prevention systems for international corporations and municipalities, including some of the largest commercial real estate firms in Canada.

“Over 250,000 passengers use Union Station every day,” says Godsall, looking at the train station below.

Godsall likes to put things into context. It helps, he says, to motivate the vision needed to solve big problems. This is the fourth “big solution” company he’s started. Earlier efforts earned Godsall a Meritorious Service Medal from the Government of Canada, and prior customers for his ventures include Apple, Sony, IKEA, Rio Tinto, Bell Labs and NIKE. For his work, Maclean’s Magazine named Godsall as one of Canada’s 100 Leaders and Dreamers.

“Union Station survived the Great Fire of Toronto in 1904,” he says, still looking below. “But the building that stood where we are today didn’t. It was destroyed in the fire, along with over one hundred other buildings. One in forty people in Toronto were put out of work.”

“Water is the New Fire,” says van Haren, then quickly clarifies that he didn’t make up the axiom.

It’s actually the title of a 2023 Weather Network original documentary by Shawney Cohen that highlights the alarming risks of climate change and flooding in cities. Van Haren adds, for context, that every big story has a beginning.

“When it comes to flood defense”, says van Haren. “Most property owners are at the start of their journey. Unlike those fires from last century, we have the technology to implement resilience at scale. We can adapt.”

By simulating the physics of flooding, van Haren and Godsall are taking a more advanced approach to understanding flood risk. In addition to technical improvements, there is something very different about NOAH, and it can be found in van Haren’s words. The difference starts with a simple shift toward hope. Thanks to NOAH’s scalable solution, delivering physically-accurate flood scorecards for every property in Canada is now possible. But it’s more than that. NOAH is creating a company based on the idea that adaptation to climate change is feasible. They don’t just inform property owners, insurers and banks about flood risk. NOAH also provides realistic engineered solutions. The combination of accurate flood risk assessments with feasible adaptation solutions is what truly differentiates this ambitious Canadian climate technology company. We sat down to find out more about the founders and what motivated them to start NOAH.

What inspired you to start this company, and what problem are you trying to solve?

Steve: “I’ve been working on this problem for over twenty-five years. As an engineer, I was inspired to bring a new approach to a problem that can’t be completely solved with traditional flood modelling. This is a dynamic physical and hydrological problem. Solving challenges for large international clients gave me the experience to understand the complexities of flood risk data and envision dynamic flood resilience solutions.”

Chris: “For me, flooding was the obvious next chapter. It’s a huge problem facing almost all Canadians. And it affects people everywhere in the world. I’ve spent over half my career either running companies in marine engineering or physical simulation software. Applying physics-based simulation to flooding is incredibly exciting. It’s a big idea that makes a lot of sense and that can help a lot of people in Canada and around the world.”

What personal experiences shaped your vision for this business?

Steve: “If you have a viable solution to a problem that will affect your children, and their children, then it doesn’t take much to wake up in the morning and go to work. The world needs companies like NOAH to address climate risks. I don’t like to sound dramatic. But it’s true.”

Chris: “By the time I was in my mid-twenties, I was leading an organization that was both innovative and that created measurable social and environmental benefits. That’s a positive feedback loop that I’ve brought to all my businesses. It touches on how we recruit talented people, raise capital from high quality investors and how we work with clients that are starting their flood risk journey. It’s a great playbook for success.”

How did you validate the need for your product or service before launching?

Steve: “We spent months interviewing commercial real estate managers across many departments and we met with senior executives for insurance and finance organizations. Not one was satisfied with their current tools for flood risk.”

Chris: “NOAH also developed a pilot program to allow customers from all four major segments (Real Estate, Insurance, Finance and Government) to easily test our Flood Risk Scorecards and our models.”

What challenges did you face in the early stages, and how did you overcome them?

Steve: “The biggest challenge was getting busy people to focus on a problem that seemed like tomorrow’s crisis. Early adopters of climate resilience now get the fact that these flood-causing storms are coming every year. Soon everyone will have to adjust to the new reality that the storms are not only coming every year, but they’re getting more intense.”

Chris: “The floods in 2024 occurred, and other climate events since. These events have focused people more on starting the process of understanding business risks associated with flooding.”

How has your mission evolved since you first started, and where do you see the company in the future?

Steve: “When we first started, the mission was more tactical. It was focused purely on technical solutions to the problem of flood risk accuracy and on the solutions associated with flood defense. Starting a new business has to start with the details of the core technology and product. Our details are complex, so NOAH’s mission started with our technical and flood modelling methodology.”

Chris: “To be honest, our mission has stayed very consistent. We are here to apply technology and physics to estimating flood risk. The one thing that changed is now we are more specific about how and when we’re going to deliver our solutions to all properties in Canada. Where do we see ourselves in the future? We’ve been clear that our goal is to first serve Canada, and then US and European markets, because they are facing the same problem as us. Every market deserves and needs accurate flood risk solutions.”

Climate Risk

NOAH for all climate risks.

The NCRI, CityTwin and ClimateGuard are extending to every major climate hazard in Canada, so each property and asset carries one consistent picture of its climate risk, today and projected forward.

A dark storm cloud dropping heavy rain over a forest

What We Are Building

Hazard

How much water, fire, heat or wind reaches each asset, simulated at the resolution decisions are made.

Vulnerability

How much damage that does to this particular building, road or facility. A home, a bridge and a substation each fail differently.

Resilience

How much of that damage is already prevented by what is in place today, so the remaining gaps rank by risk reduced per dollar.

The Hazards

Flood

Pluvial, riverine and coastal flooding, the costliest climate hazard in Canada.

Read more +

Wildfire

Fire reaching homes, utilities and infrastructure at the edge of forests and grasslands.

Read more +

Extreme heat

The deadliest climate hazard, straining people, buildings and power systems.

Read more +

Drought

Pressure on water supply, landscapes and the ground buildings stand on.

Read more +

Hail

Damage to roofs, cladding, vehicles and solar installations.

Read more +

Wind

Storms and tornadoes damaging roofs, trees and power lines.

Read more +

Snow load

Heavy, wet snow stressing roofs and structures beyond their design.

Read more +

Permafrost loss

Thawing ground shifting buildings, roads and pipelines in the North.

Read more +

Sea level rise

Rising water and storm surge reshaping coastlines and waterfronts.

Read more +

Arctic sea ice loss

Greater erosion and storm exposure for northern coastal communities.

Read more +

Contact

Book a demo

Tell us a little about your organization and we’ll show you NOAH on data from your community.

NOAH Intelligence Inc.

123 Front Street West, Suite 300
Toronto, ON M5J 2M2

info@noahintelligence.com

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NOAH Intelligence Inc. has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement, approval or control by NOAH Intelligence Inc. of the site. Use of any such linked site is at your own risk and we strongly advise you make your own investigations with respect to the suitability of those sites.

Right to Terminate

We may suspend or terminate your right to use our website and terminate these Terms of Service immediately upon written notice to you for any breach of these Terms of Service.

Severance

Any term of these Terms of Service which is wholly or partially void or unenforceable is severed to the extent that it is void or unenforceable. The validity of the remainder of these Terms of Service is not affected.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Canada. You irrevocably submit to the exclusive jurisdiction of the courts in that State or location.