Overview
- Climate events cost French insurers about €5 billion in 2024, with recent annual losses averaging roughly €6 billion.
- The CatNat surcharge was raised on January 1, 2025 to 20%, lifting the typical annual charge to about €42 from €25.
- Average home insurance premiums climbed around 12% in 2025, with experts projecting a further 7–8% rise in 2026.
- Policies are tightening as deductibles rise, including the legal drought deductible jumping from €380 to €1,520 and more exclusions appearing.
- Climate‑related disputes multiplied fivefold between 2023 and 2024, and consumer groups report scarce or unaffordable coverage in the most exposed communes.