Interested in seeing how our products can help your business? Share your work email below to schedule a quick demo with Theodor.
Agricultural intelligence – from crop health to credit risk
Envira Agro is a platform for monitoring and forecasting agricultural performance and environmental risk, from individual fields to complex supply chains. Moving beyond climate risk, it provides intelligence on crop health, yield forecasts, land use change, and environmental compliance.
The platform uses satellite imagery, weather data, and agronomic models to monitor and forecast agricultural performance, risk, and sustainability outcomes. This provides agribusinesses, financial institutions, and public sector users a clear view of crop performance, yield potential, and associated financial and environmental risks.
.webp)
Envira Agro helps banks build a clear understanding of how farms perform and are managed. The platform provides insight into historical growth patterns, land use, and weather exposure, enabling lenders to assess productivity trends and management quality. This helps distinguish resilient, well-managed farms from those more vulnerable to climate variability.
The platform identifies how exposed each field is to droughts, floods, and other hazards, giving insurers a transparent view of the likelihood of crop loss. These insights support more accurate underwriting, fairer pricing, and stronger portfolio resilience.
Envira Agro provides accurate yield forecasts both during and outside the growing season. This helps insurers and lenders anticipate production outcomes, assess weather-related damages, and make better credit and claims decisions. The result is faster, evidence-based responses to changing conditions.
Designed for banks and insurers, Envira Agro can analyze entire loan or policy portfolios to uncover risks and opportunities. The platform connects field-level performance to financial indicators, highlighting exposure hotspots, business opportunities, and growth potential. This enables smarter capital allocation and more effective risk management.
Envira Agro supports compliance with European regulatory frameworks such as CRR/CRD and CSRD. It delivers ready-to-use, auditable outputs that align with financial and sustainability reporting requirements, helping institutions demonstrate responsible climate risk management.
EnviraAgro equips insurers with the insight needed to manage agricultural risk with precision. Our analytics support fair and data-driven premium setting before the season begins and deliver fast, objective claims assessments when losses occur. By understanding how hail, flood, or drought affects yield outcomes, insurers can design smarter products, improve pricing accuracy, and strengthen customer trust.
For agricultural advisors, EnviraAgro provides the data foundation for better conversations with farmers. Advisors can access clear, field-level insights on productivity, land management, and climate exposure to identify opportunities and risks early. This enables more informed lending decisions and helps banks deliver value-added advisory services that build lasting client relationships.
Envira Agro supports credit and risk teams with a full portfolio view of agricultural exposure. The platform quantifies climate and productivity risks across loan books, highlighting concentrations and vulnerabilities. It also provides ready-to-use metrics and reports aligned with EU regulatory requirements such as CRR, CRD, and CSRD—helping institutions strengthen compliance and transparency.
Public agencies and utilities use Envira Agro to monitor land use and ensure that agricultural activities align with policy and environmental goals. The platform helps verify EU subsidy compliance, track farm management practices, and assess compensation for farmers affected by infrastructure development. This gives governments and utilities a transparent, data-backed foundation for policy enforcement and planning.
Envira Agro offers independent, data-driven insights into farmland performance and value. Farmers, brokers, and investors can assess historical productivity, land condition, and climate exposure to support land transactions and valuations. Whether buying, selling, or managing land, Envira Agro helps users understand the real potential - and resilience - of every field.
Reduction in unfounded insurance claims
Improvement in insurance pricing accuracy
Reduction in manual data collection
Agro Risk wins the EU Big Data from Space Award 2025 for turning satellite data into climate intelligence — empowering banks, insurers, and farmers with actionable insights on climate and agricultural risk.
The Danish FSA’s new report highlights that ESG and climate risks are core financial risks, urging banks to adopt data-driven methods for integrating them into credit and risk management—an approach Envira already supports through its practical climate risk frameworks.
Envira’s study shows European banks recognize climate risk as a core prudential issue but remain early in embedding it into quantitative risk and capital frameworks.
.webp)
The Danish FSA’s review finds that the EU Taxonomy has become a compliance exercise rather than a driver of green finance, with low sustainability alignment and weak qualitative reporting across institutions.