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Floods, hail, droughts: climatic disasters are increasing and causing home insurance premiums to explode (+12% in 2025). Claimants reimbursed but heavily penalized, some see their contributions increase by more than €100 per year, while others can no longer find an insurer.
This text corresponds to part of the transcription of the report above. Click on the video to watch it in full.
Moufid Boutamja and his father still have photos of the floods of October 18, 2024. 80 centimeters of water which infiltrated their house in Rive-de-Gier in the Loire, causing considerable damage: 75,000 euros in damage for which they were partly reimbursed. A natural disaster which has since pushed their insurer to increase their contributions. “So there, we have 619.10 euros for the year 2025-2026, 728.60 euros.” notes the young man.
Or 109 euros increase in one year. Difficult to accept for this plumber and heating engineer: “It is not our fault at the same time that there are floods, etc. Unfortunately, I am not really in favor of there being increases. Everyone, in any case, suffers and we are there to pay, we will say.”
Natural disasters like this are increasing: droughts causing cracks in houses, storms destroying cars and even hail storms. Near Bordeaux, this is what perforated Marthe Charlier’s roof. 40,000 euros in costs to redo her roof and insurance which has jumped by 200 euros in two years, she says: “We have no choice because I think all insurance companies face the same problems. There are certain people I know so the insurance no longer wanted to insure them.”
On average in France, the price of home insurance increased by 12% in 2025. In detail, the natural disaster surcharge, that is to say the amount to be paid additionally in the event of high risk, has jumped in two years, from 25 euros to 42 euros on average. And already in the most risky areas, insurers are starting to become rarer, according to Stéphanie Durafourd, spokesperson for Assurland: “They cannot put themselves in financial danger, so to avoid that, they will perhaps either withdraw from certain areas where we know from various projections that we are in areas extremely exposed to climate risks, or in these cases, make these policyholders pay much more than elsewhere.”
The Federation of Insurers assumes that these increases are necessary to continue to protect all French people.
