{"id":39452,"date":"2026-03-24T10:47:48","date_gmt":"2026-03-24T09:47:48","guid":{"rendered":"https:\/\/reclaimfinance.org\/site\/?p=39452"},"modified":"2026-03-24T10:52:49","modified_gmt":"2026-03-24T09:52:49","slug":"extreme-weather-events-avoiding-the-insurability-crisis-in-france","status":"publish","type":"post","link":"https:\/\/reclaimfinance.org\/site\/en\/2026\/03\/24\/extreme-weather-events-avoiding-the-insurability-crisis-in-france\/","title":{"rendered":"Extreme weather events: avoiding the insurability crisis in 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: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-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>In 2025, 52% of the costs related to extreme weather events worldwide were not insured and therefore remained the responsibility of those affected, households, local authorities, and public finances alike. In France, the intensification of such events is putting the insurance system at risk. Reclaim Finance has therefore analyzed the financial health of ten of the largest European insurers and reinsurers, some of which operate on the French market.<\/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 fusion-text-no-margin\" style=\"--awb-margin-bottom:0px;\"><ul class=\"key\">\n<li>Between 2010 and 2024, the average net income of the private (re)insurers studied increased by more than 60%.<\/li>\n<li>Despite the intensification of extreme weather events, dividends paid by the listed (re)insurers studied rose by 40% over the past 10 years.<\/li>\n<li>Since 2016, AXA, Allianz and Generali have each generated more than \u20ac250 million in annual profits from their French property insurance business, despite increasingly costly extreme weather events.<\/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>Financial needs, on top of those required for risk mitigation, are considerable: according to France Assureurs, total damages caused by extreme climate events in France are expected to double by 2050. At the same time, citizens, local authorities and the french public reinsurance company (Caisse Centrale de R\u00e9assurance) are already facing significant financial constraints. New sources of funding must therefore be mobilized to avoid an increased socialization of climate-related losses.<\/p>\n<p><strong>In the interest of social justice, and in light of the exceptional results reported by major listed insurers, Reclaim Finance calls on public authorities to further mobilize them to support natural risk mitigation and the compensation of extreme weather events related damages.<\/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-_EN_.pdf\"><span class=\"fusion-button-text\">Read the executive summary <\/span><\/a><\/div><div class=\"fusion-text fusion-text-4\" style=\"--awb-font-size:13px;--awb-margin-top:5px;\"><p style=\"text-align: center;\"><a href=\"https:\/\/reclaimfinance.org\/site\/2026\/03\/11\/catastrophes-naturelles-eviter-la-crise-de-lassurabilite-en-france\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Read the full report in French\u00a0<\/span><\/a><\/p>\n<\/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":[224],"tags":[],"acteurs_financiers":[2440],"thematique":[],"webinar_type":[],"programme":[],"class_list":["post-39452","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-report","acteurs_financiers-insurers"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Extreme weather events: avoiding the insurability crisis in France - Reclaim Finance<\/title>\n<meta name=\"description\" content=\"In 2025, 52% of the costs related to extreme weather events worldwide were 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