{"id":39353,"date":"2026-03-11T00:01:02","date_gmt":"2026-03-10T23:01:02","guid":{"rendered":"https:\/\/reclaimfinance.org\/site\/?p=39353"},"modified":"2026-03-06T16:23:27","modified_gmt":"2026-03-06T15:23:27","slug":"catastrophes-naturelles-eviter-la-crise-de-lassurabilite-en-france","status":"publish","type":"post","link":"https:\/\/reclaimfinance.org\/site\/2026\/03\/11\/catastrophes-naturelles-eviter-la-crise-de-lassurabilite-en-france\/","title":{"rendered":"Catastrophes naturelles : \u00e9viter la crise de l\u2019assurabilit\u00e9 en France"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:0px;--awb-padding-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-bottom:20px;--awb-bg-size:cover;--awb-border-color:#8ac56b;--awb-border-style:solid;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\" style=\"--awb-content-alignment:justify;--awb-text-color:var(--awb-color4);--awb-text-font-family:&quot;Montserrat&quot;;--awb-text-font-style:normal;--awb-text-font-weight:700;\"><p>En 2025, 52% des co\u00fbts li\u00e9s aux \u00e9v\u00e8nements climatiques extr\u00eames dans le monde n\u2019ont pas \u00e9t\u00e9 assur\u00e9s, et sont donc rest\u00e9s \u00e0 la charge des sinistr\u00e9s, particuliers comme collectivit\u00e9s mais aussi des finances publiques. En France, l&rsquo;intensification des catastrophes naturelles met en danger le syst\u00e8me assurantiel. Reclaim Finance a ainsi souhait\u00e9 analyser la sant\u00e9 financi\u00e8re de dix des plus grands assureurs et r\u00e9assureurs europ\u00e9ens, dont certains sont pr\u00e9sents sur le march\u00e9 fran\u00e7ais.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-1 fusion-title-text fusion-title-size-two\" style=\"--awb-margin-bottom:10px;--awb-font-size:20px;\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep- sep-solid\" style=\"border-color:#3e3e3e;\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;Montserrat&quot;;font-style:normal;font-weight:600;margin:0;font-size:1em;--fontSize:20;--minFontSize:20;line-height:1.5;\">Key findings:<\/h2><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep- sep-solid\" style=\"border-color:#3e3e3e;\"><\/div><\/div><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;margin-bottom:20px;width:100%;max-width:10%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color4);border-color:var(--awb-color4);border-top-width:5px;\"><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_1 1_1 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\"><ul class=\"key\">\n<li>Entre 2010 et 2024, le r\u00e9sultat net moyen des (r\u00e9)assureurs priv\u00e9s \u00e9tudi\u00e9s a augment\u00e9 de plus de 60 %.<\/li>\n<li>Malgr\u00e9 l&rsquo;intensification des \u00e9v\u00e9nements climatiques extr\u00eames, les dividendes vers\u00e9s par les (r\u00e9)assureurs cot\u00e9s \u00e9tudi\u00e9s ont augment\u00e9 de 40% en 10 ans.<\/li>\n<li>Depuis 2016, AXA, Allianz et Generali ont chacun g\u00e9n\u00e9r\u00e9 plus de 250 millions d\u2019euros de b\u00e9n\u00e9fices par an sur leur branche fran\u00e7aise dommages aux biens, malgr\u00e9 des catastrophes naturelles de plus en plus co\u00fbteuses.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-right:0px;--awb-padding-left:0px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\" style=\"--awb-content-alignment:justify;\"><div class=\"fusion-text fusion-text-3\">\n<p>Les besoins financiers, en plus de ceux n\u00e9cessaires pour la pr\u00e9vention des risques, sont consid\u00e9rables : selon France Assureurs, les dommages globaux caus\u00e9s par les \u00e9v\u00e9nements climatiques extr\u00eames en France risquent de doubler d\u2019ici 2050. Or, les citoyens, les collectivit\u00e9s territoriales et la Caisse centrale de r\u00e9assurance font d\u00e9j\u00e0 face \u00e0 des difficult\u00e9s financi\u00e8res marqu\u00e9es, de nouvelles sources de financement doivent \u00eatre mobilis\u00e9es afin d\u2019\u00e9viter une socialisation accrue des pertes climatiques.<\/p>\n<p><strong>Dans un souci de justice sociale et face aux r\u00e9sultats exceptionnels pr\u00e9sent\u00e9s par les grands assureurs, Reclaim Finance appelle les pouvoirs publics \u00e0 les mobiliser davantage pour la pr\u00e9vention des risques naturels et la r\u00e9paration des dommages.<\/strong><\/p>\n<\/div>\n<\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat button-medium button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:#ffffff;--button_border_color:var(--awb-color4);--button_accent_hover_color:#ffffff;--button_border_hover_color:#8fc84c;--button_border_width-top:2px;--button_border_width-right:2px;--button_border_width-bottom:2px;--button_border_width-left:2px;--button_gradient_top_color:rgba(138,197,107,0);--button_gradient_bottom_color:rgba(138,197,107,0);--button_gradient_top_color_hover:#8fc84c;--button_gradient_bottom_color_hover:#8fc84c;--button_margin-top:30px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2026\/03\/Catastrophes-Naturelles.pdf\"><span class=\"fusion-button-text\">Lire le rapport<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":33,"featured_media":39359,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"acteurs_financiers":[],"thematique":[],"webinar_type":[],"programme":[3731],"class_list":["post-39353","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rapport","programme-programme-3-fr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Catastrophes naturelles : \u00e9viter la crise de l\u2019assurabilit\u00e9 en France - Reclaim Finance<\/title>\n<meta name=\"description\" content=\"En 2025, 52% des co\u00fbts li\u00e9s aux \u00e9v\u00e8nements climatiques dans le monde n\u2019ont pas \u00e9t\u00e9 assur\u00e9s, et sont donc rest\u00e9s \u00e0 la charge 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