Multi-Year Climate Physical Risk — Coastal Southeast Footprint — severe-but-plausible scenario — ITOL

Vector: Natural & Climate · Severity: extreme

Over a 5–10 year horizon, sea-level rise and intensifying hurricane seasons hit a coastal Southeast footprint. They drive cumulative branch closures, data-center resilience degradation, and insurance-market withdrawal. This is a slow-moving erosion of operational capacity rather than a single event.