Climate Risk Materiality Scorer

Scores a described climate risk — physical or transition — on likelihood × financial impact across short, medium, and long-term horizons using the TCFD risk taxonomy, returning a standardized materiality rating with quantified bands and narrative rationale. Use when assessing the materiality of a specific climate risk, building a climate risk register, prioritizing risks for TCFD or ISSB disclosure, or comparing physical and transition exposures across time horizons.