Four Twenty Seven
Four Twenty Seven provides climate risk analytics combining economic modeling with climate science to quantify physical and transition risk impacts for banking, insurance, corporate, public sector, and buy-side clients; now integrated into Moody's risk solutions platform.
- Company typePrivate
- Founded2012
- HeadquartersBerkeley, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Four Twenty Seven does
Four Twenty Seven is a climate risk analytics firm founded in 2012 and headquartered in Berkeley, California. The company combined economic modeling with climate science to quantify financial impacts of physical climate risks (such as hurricanes, floods, wildfires, and sea level rise) and transition risks associated with decarbonization. Its core technology platform integrated future climate risk scenarios, real data on event costs from physical asset damages, on-the-ground engineering assessments after major disasters, and structural engineering models to deliver industry- and location-specific risk quantification for financial decision-making.
Following acquisition by Moody's, Four Twenty Seven's capabilities were integrated into Moody's Physical and Transition Risk Solutions suite. The combined offering serves five primary customer segments: banking (loan decisioning, portfolio stress testing, regulatory disclosure), insurance (ORSA, TCFD, PCAF, ISSB, CSRD reporting, capital management), corporations (SFDR/CSRD disclosure, supply chain risk, physical and transition risk strategy), public sector (federal, regional, and local government risk assessment), and buy-side investors (portfolio risk measurement, TCFD reporting, transaction due diligence). The platform covers forecasts for over 70 countries and all U.S. states and metro areas.
The business model relies on direct enterprise sales through solutions specialists and account teams, with tailored analytics integrated into existing risk management workflows. Pricing is not publicly disclosed. The company has been recognized as #1 in the Chartis Physical and Infrastructure Risk50 (2025) and #1 with 7 category wins in the inaugural Chartis ClimateRisk50 (2024), and has received InsuranceERM awards for climate risk modelling (2023) and ESG Economic Scenario Generator software (2024).
Four Twenty Seven firmographics
Firmographics- Name
- Four Twenty Seven
- Website
- https://427mt.com
- Company type
- Private
- Founded year
- 2012
- Headcount range
- 11–50 employees
- Short description
- Four Twenty Seven provides climate risk analytics combining economic modeling with climate science to quantify physical and transition risk impacts for banking, insurance, corporate, public sector, and buy-side clients; now integrated into Moody's risk solutions platform.
- Ownership category
- akta.pro rank
Four Twenty Seven industry classification
Industry- Product category
- Climate Risk Analytics Software
- NAICS
- Environmental Consulting Services (54162)
- SIC
- Services-Commercial Physical & Biological Research (8731)
- akta.pro primary industry
- Financial Climate Stress Testing & Portfolio Analytics (Banks, Asset Managers, Insurers) (EUABALAE)
- akta.pro secondary industries
- Climate Hazard & Catastrophe Modeling (Flood, Wind, Wildfire, Heat, Sea-Level Rise) (EUABALAA), Insurance Underwriting, Pricing & Accumulation Tools (P&C, Specialty, Parametric) (EUABALAF), Climate Risk Reporting & Disclosure Analytics (TCFD/ISSB, EU Taxonomy, CSRD, NAIC) (EUABALAG)
Keywords
Where Four Twenty Seven is headquartered
LocationHeadquarters
- HQ city
- Berkeley
- HQ country
- United States
- HQ region
- North America
Markets served
Four Twenty Seven business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Distribution channels1 record
Marketing channels5 records
Four Twenty Seven product offering
Product offeringCore offering
Four Twenty Seven combines economic modeling with climate science to deliver data, models, and analytics that quantify physical climate risks (hurricanes, floods, wildfires, sea level rise) and transition risks (policy, regulatory, market, technology shifts from decarbonization). Its offerings let financial institutions, insurers, corporates, and public sector entities integrate climate risk insight into stress testing, regulatory reporting, investment decisioning, and portfolio management workflows, with forecasting coverage spanning 70+ countries and all U.S. states and metros.
Product overview
Moody's offers a unified platform of physical and transition risk management solutions that integrate financial intelligence with climate risk analytics. The core offering includes Physical and Transition Risk Solutions, Physical Risk Analytics, and Physical and Transition Risk Models and Data. These solutions work together to help banking, insurance, corporate, public sector, and buy-side clients integrate climate risk insights into existing risk management workflows, including stress testing, regulatory reporting, investment decisioning, and portfolio management.
Differentiator
Problem solved
Functional benefit
Products and services
- Physical and Transition Risk Solutions A comprehensive suite of solutions that helps banking, insurance, corporate, public sector, and buy-side clients assess, quantify, and manage physical climate risks (hurricanes, floods, wildfires, sea level rise) and transition risks (policy, regulatory, market, and technology changes from decarbonization) by overlaying financial intelligence with climate and macroeconomic variables for near-, mid-, and long-term risk insight.
- Physical Risk Analytics (PortfolioStudio) Robust tools for financial quantification of physical risks and opportunities that allow users to analyze potential damage and disruption from chronic and acute physical risks through industry-specific lenses and to understand the financial implications of transitioning to a lower carbon economy. Delivered via the PortfolioStudio technology platform with intuitive applications providing a full view of physical and transition risk.
- Physical and Transition Risk Models and Data Flexible modeling and data offerings that integrate future physical and transition risk scenarios, real data on event costs from physical asset damages, on-the-ground engineering assessments after major disasters, and structural engineering and design models to measure physical risk. Forecasts physical and transition risks to the economy for over 70 countries and all U.S. states and metro areas, enabling operationalization of climate risk into existing workflows, tools, and reporting.
- Economic Scenarios for Physical and Transition Risk Economic scenario offering that overlays physical and transition risk variables on macroeconomic and financial market variables to inform near-, mid-, and long-term risk planning. Recognized as InsuranceERM ESG Economic Scenario Generator Software of the Year in 2024.
- Greenhouse Gas Emissions Data Greenhouse gas emissions data product providing carbon emissions views at global, regional, and local levels to support climate risk assessment and disclosure workflows.
Quantifiable outcome
- Global economic impact of physical risk may reach $41.4 trillion by 2050 (14.5% loss in GDP), with roughly two-thirds from chronic factors such as sea level rise and one-third from natural disasters
Companies that use Four Twenty Seven
Customer profileSegments5 records
Ideal customer profiles5 records
Four Twenty Seven technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Four Twenty Seven partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights5 records
Four Twenty Seven competitors and assessment
Company assessmentBroad incumbents
- Verisk: Major data analytics provider to insurance and financial services with catastrophe modeling (including its Xactware/AIR platforms) and growing climate solutions. A primary competitor for insurers' physical risk and underwriting workflows.
- BloombergNEF: Bloomberg's energy and climate research arm offering transition risk datasets and climate scenario coverage. Overlaps in transition risk, energy market pathways, and corporate climate strategy use cases.
- ISS ESG: Institutional Shareholder Services' ESG and climate data arm serving asset managers and asset owners. Competes in climate risk, transition analysis, and regulatory disclosure (TCFD/SFDR) use cases for the buy-side.
- MSCI Climate Solutions: Broad incumbent offering climate risk, ESG, and sustainable investing analytics with deep institutional penetration. Overlaps directly in climate scenario analysis, portfolio risk, and regulatory disclosure use cases for banks, asset managers, and corporates.
- S&P Global Sustainable1: S&P Global's ESG and climate data platform serving investors and corporates with climate analytics, transition risk, and disclosure tools. Comparable in serving buy-side climate reporting and corporate ESG/risk workflows.
- Munich Re NatCatSERVICE: Reinsurer-owned natural catastrophe loss database and analytics widely used by (re)insurers for hazard and accumulation modeling. Competes for the same insurance customer relationships on physical risk data and modeling.
- Swiss Re Institute: Reinsurer's research and analytics arm publishing climate, economic, and insurance market insights. Provides competing climate risk data, scenario analysis, and trend benchmarks to financial institutions and corporates.
Direct peers
- Jupiter Intelligence: Direct competitor focused on physical climate risk scoring at asset and portfolio level across multiple hazards. Targets the same banking, insurance, and corporate buyers with similar use cases (loan decisioning, portfolio climate risk, regulatory disclosure).
Emerging players
- Climate X: Specialist climate risk analytics platform focused on physical risk scoring for assets and portfolios across geographies. Targets banks, asset managers, and real estate investors with similar location-level hazard exposure products.
- XDI (Cross Dependency Initiative): Climate risk analytics provider specializing in physical climate risk for infrastructure and built assets at high resolution. Compares in physical hazard and asset-level vulnerability analytics for banks, governments, and infrastructure investors.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Four Twenty Seven social profiles
Digital presenceFour Twenty Seven financial estimates
Financial estimateRevenue estimate
Valuation estimate
Four Twenty Seven leadership team
Management profileNumber of profiles
Profiles3 records
Four Twenty Seven funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Four Twenty Seven M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Four Twenty Seven
What does Four Twenty Seven do?
Four Twenty Seven combines economic modeling with climate science to deliver data, models, and analytics that quantify physical climate risks (hurricanes, floods, wildfires, sea level rise) and transition risks (policy, regulatory, market, technology shifts from decarbonization). Its offerings let financial institutions, insurers, corporates, and public sector entities integrate climate risk insight into stress testing, regulatory reporting, investment decisioning, and portfolio management workflows, with forecasting coverage spanning 70+ countries and all U.S. states and metros.
When was Four Twenty Seven founded?
Four Twenty Seven was founded in 2012. It employs 11 to 50 people.
Where is Four Twenty Seven based?
Four Twenty Seven is headquartered in Berkeley, United States, in the North America region.
Who are Four Twenty Seven's main competitors?
Broad incumbents on record are Verisk, BloombergNEF, ISS ESG, MSCI Climate Solutions, S&P Global Sustainable1, Munich Re NatCatSERVICE and Swiss Re Institute. Jupiter Intelligence is listed as a direct peer. Emerging players are Climate X and XDI (Cross Dependency Initiative).
Does Four Twenty Seven have an API?
No public API is recorded for Four Twenty Seven.
What industry is Four Twenty Seven in?
Four Twenty Seven's product category is Climate Risk Analytics Software. Its primary akta.pro industry code is EUABALAE, Financial Climate Stress Testing & Portfolio Analytics (Banks, Asset Managers, Insurers), with a secondary code of EUABALAA, Climate Hazard & Catastrophe Modeling (Flood, Wind, Wildfire, Heat, Sea-Level Rise). Its NAICS code is 54162 and its SIC code is 8731.