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Natural disasters: exposure and underinsurance
[Catastrophes naturelles : exposition et sous-assurance]

Author

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  • Céline Grislain-Letrémy

Abstract

Overseas households are more exposed to natural disasters than in mainland France, with a 20% increase in the sinistrality expected by 2050. However, far fewer of them are insured. Insurance supply is developed and regulated. The low subscription is mainly due to uninsurable housing and the anticipation of assistance. En outre-mer, les ménages sont plus exposés aux catastrophes naturelles qu’en France métropolitaine, avec une augmentation de 20 % de la sinistralité prévue en 2050. Pourtant, ils sont bien moins nombreux à être assurés, alors même que l’offre d’assurance y est développée et réglementée. La faible souscription est principalement due à des logements non assurables et à l'anticipation de l'assistance.

Suggested Citation

  • Céline Grislain-Letrémy, . "Natural disasters: exposure and underinsurance [Catastrophes naturelles : exposition et sous-assurance]," Eco Notepad (in progress), Banque de France.
    • Handle: RePEc:bfr:econot:294
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    File URL: https://www.banque-france.fr/fr/publications-et-statistiques/publications/catastrophes-naturelles-exposition-et-sous-assurance
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