A Blendecquesthe home insurance premium can go up to 334 euros, compared to 220 euros without a claim, according to the comparator Assurland. This commune of 5,000 inhabitants was one of the most affected during the floods in the department of Pas-de-Calais this winter. HAS twicein November and then in January, torrential rains caused the Aa to overflow. More than 800 houses were invaded by water. Ten of them were bought by the State.
10 million homes in flood zones
At the other end of France, Nice has also known severe bad weather early September. It is also among the cities most exposed to flooding. However, the cost of home insurance can reach 370 euros for a contract with a declared claim, compared to 338 euros without a claim.
More than 10 million homes in France are located in areas at risk of flooding, which leads to significantly higher insurance costs. In these cities particularly threatened by flooding, insurance rates are expected to experience significant increases again in 2025. The increase in the natural disaster premiumlevied on each insurance contract, which will come into force on 1is January, will accentuate the trend. For multi-risk home insurance (MRH), this surcharge rate will increase from 12 to 20%.
Provence-Alpes-Côte d’Azur, the most expensive region in France
It is in Provence-Alpes-Côte d’Azur (PACA) that insuring your home costs the most. The region is experiencing a price increase of 13% over one year, bringing the average premium to 280 euros per year. There Brittany remains the least expensive, although it records an increase of 4.8%, with an average annual premium of 198 euros.
Marseille, Paris et Toulouse make up the top three, cities where home insurance premiums are the highest: respectively 270, 265 and 235 euros on average. They also record the large number of incident reports recorded each year.
But everywhere in France, home insurance prices have experienced in 2024 an unprecedented increase, of 7.2% on average. The average price of the home insurance contract thus increased from 227 euros in 2023 to 243 euros in 2024, an increase of 16 euros. “This increase, the highest since 2010, is directly linked to the increase in climatic events, such as floods in Nord-Pas-de-CalaisTHE storms Ciaran and Domingosas well as the periods of severe drought », specifies the analysis of the insurance comparator. This inflation of climatic perils has a cascading impact on the prices of the entire industry in the sector. “Reinsurance prices saw a very sharp increase in 2023, between 10% and 30% on certain lines of activity, reminds Olivier Moustacakisco-founder of Assurland. Insurers, in turn, will increase their premiums for consumers.”
Over the past year, price disparities between different geographic areas, more or less exposed to flood risksof recession of the coastlineor from shrinkage-swelling of clay soilsfuel an intense debate on the relevance of a national cartography “enforceable and regulatory”perils, prices and market shares of insurers. If it gives rise to serious reservations on the part of insurance companiesthe upcoming creation of a insurability observatory set up by the Central Reinsurance Fund (CCR) was greeted with enthusiasm by the general agents.
