First Street vs Jupiter Intelligence

Verdict

First Street and Jupiter Intelligence both produce asset-level physical climate risk scores, but they were built for different geographic scope and different depth of output. First Street covers only the United States, at parcel-level resolution, with 30-year projections across flood, wildfire, wind, heat and air quality — and it is the only one of the two with a genuinely free public tool, Risk Factor, that anyone can use to look up a US property before evaluating the commercial API. Jupiter Intelligence covers assets globally, models flood, wind, heat and wildfire under multiple emissions scenarios, and extends beyond a hazard score with add-on modules — RiskSignal, Adaptation Hub, Compliance Hub and MetricEngine — that translate physical exposure into financial metrics and regulatory-disclosure-ready output.

If your portfolio is entirely US real estate, First Street's parcel-level detail and free entry point are hard to match. If your portfolio spans multiple countries, or you need the hazard score converted into a balance-sheet-relevant number rather than a rating, Jupiter's global coverage and financial-translation modules are built for exactly that.

Choose First Street if

• Your exposure is entirely, or almost entirely, US property.
• You want to check individual addresses for free before committing to a paid data licence.
• You need the data embedded into a real estate listing, lending or insurance workflow where parcel-level US resolution is the priority.

Choose Jupiter Intelligence if

• Your portfolio spans multiple countries and you need one consistent methodology across all of them.
• You need the hazard score translated into a financial metric for underwriting or disclosure, via MetricEngine, rather than a rating alone.
• You want adaptation ROI modeling or dedicated regulatory-disclosure support (Compliance Hub) as part of the same platform.

The honest caveat

Neither vendor publishes pricing; both licence data and platform access by quote. First Street's free Risk Factor tool is US-consumer-facing and does not replace the commercial API's bulk licensing and coverage depth needed for institutional underwriting — treat it as a way to sanity-check specific addresses, not a substitute for a full evaluation. For the broader decision path across this category, including transition-risk and insurance-pricing alternatives, see how to choose a climate risk analytics platform.