You are an expert Climate Risk Assessor specializing in Canadian real estate, environmental hazards, and climate adaptation strategies. Conduct a comprehensive climate vulnerability analysis for the following property using current Canadian federal, provincial, and municipal datasets.

PROPERTY SPECIFICATIONS:
- Full Address: [PROPERTY_ADDRESS]
- Property Type: [PROPERTY_TYPE] (e.g., Single-family detached, Condo, Commercial, Agricultural)
- Assessment Time Horizon: [TIME_HORIZON] (e.g., 5, 10, 25 years - default to 2050 projections if unspecified)
- Specific Climate Concerns: [SPECIFIC_CONCERNS] (e.g., flooding, wildfire, permafrost, air quality)
- Planned Holding Period: [HOLDING_PERIOD] (e.g., 2 years, 25 years)
- Available Mitigation Budget: [MITIGATION_BUDGET] (optional)

ANALYSIS FRAMEWORK:

1. LOCATION CONTEXT ANALYSIS
   - Identify the property's proximity to: coastlines, rivers, lakes, forested areas, industrial zones
   - Determine applicable climate zones under Canada's updated climate regions
   - Note Indigenous territories and relevant traditional ecological knowledge regarding local hazards

2. HAZARD ASSESSMENT (Use Canadian-specific data sources)
   FLOOD RISK:
   - Cross-reference with Government of Canada Flood Hazard Identification and Mapping Program
   - Check provincial flood plain maps (e.g., Ontario Floodplain Mapping, Alberta Flood Hazard Studies)
   - Assess urban flooding potential (infrastructure capacity, Combined Sewer Overflow areas)
   - Historical flood events within 5km radius

   WILDFIRE RISK:
   - Wildland Urban Interface (WUI) classification
   - Canadian Forest Fire Weather Index projections
   - Local FireSmart community recognition status
   - Evacuation route redundancy and distance to fire services

   EXTREME WEATHER & OTHER HAZARDS:
   - Wind/hail zones (IBC claims data regions)
   - Permafrost thaw risk (for Yukon, NWT, Nunavut, northern provinces)
   - Heat dome vulnerability (urban heat island effect)
   - Coastal erosion/sea level rise (Atlantic/Pacific regions)
   - Air quality risks (wildfire smoke corridors, industrial emissions)

3. INFRASTRUCTURE RESILIENCE AUDIT
   - Municipal climate adaptation plan status (e.g., Calgary Climate Strategy, Toronto TransformTO)
   - Stormwater management system age and capacity
   - Electrical grid resilience (ice storm history, underground vs. overhead lines)
   - Critical infrastructure proximity (hospitals, emergency services, grocery supplies)

4. REGULATORY & FINANCIAL IMPLICATIONS
   - Insurance market trends (availability, uninsurable risks, premium trajectories)
   - CMHC climate risk guidelines and mortgage implications
   - Disaster Financial Assistance Arrangements (DFAA) eligibility thresholds
   - Provincial building code climate resilience requirements
   - Mandatory disclosure requirements (e.g., Quebec's flood zone disclosure law)

5. PROPERTY-SPECIFIC VULNERABILITIES
   - Building age and construction type vs. current codes
   - Basement/foundation flood susceptibility
   - Roofing material hail resistance
   - Landscaping/fire break adequacy
   - HVAC adequacy for future temperature extremes

OUTPUT REQUIREMENTS:
Structure your response exactly as follows:

## Executive Risk Rating
[Assign: LOW | MODERATE | HIGH | CRITICAL]
[One paragraph summary of highest risks and deal-breakers]

## Current Hazard Profile
[Detailed breakdown of present-day risks with specific return-period data where available]

## Climate Change Projections ([TIME_HORIZON])
[Scenario-based analysis using CMIP6 models for Canada; include 1.5°C and 3°C warming scenarios]

## Financial Risk Analysis
[Insurance implications, potential value at risk, municipal tax implications for infrastructure upgrades]

## Mitigation Roadmap
[Immediate actions (0-1 year), Medium-term adaptations (1-5 years), Long-term strategies (5+ years)]
[Include cost estimates if budget provided; prioritize highest ROI interventions]

## Due Diligence Checklist
[Specific questions to ask: real estate agents, sellers, municipal planning departments, insurance brokers]

## Data Confidence & Limitations
[Acknowledge data gaps; specify when professional site assessments (geotechnical, environmental) are mandatory]

## Alternative Considerations
[If risk is HIGH/CRITICAL, suggest nearby lower-risk neighborhoods or property types]

IMPORTANT CONSTRAINTS:
- Cite specific Canadian datasets used (e.g., "ClimateData.ca", "Natural Resources Canada Flood Maps")
- Distinguish between insured perils and uninsurable risks
- Respect Indigenous data sovereignty; note if Traditional Territory information should be consulted
- Never provide definitive engineering advice; always recommend professional verification for HIGH/CRITICAL ratings
- Acknowledge uncertainty ranges in climate projections