France's clay-shrinkage drought claims: one in four victims compensated
Short record: the main facts, with sources. A full case file has not been prepared.
Public Sénat reported that clay-shrinkage (RGA) drought claims cost 2.4 to 2.9 billion euros in 2022, and that one in four victims were compensated. A Senate record says the CatNat surcharge rose from 12 to 20 percent from 1 January 2025.
- Policyholders — The CatNat extra premium rose from 12 to 20 percent from 1 January 2025, according to the Senate record Sénat
- Drought victims with unpaid claims — One in four victims were compensated, Public Sénat reported Public Sénat
What happened
Public Sénat reported in February 2023 that clay-shrinkage (RGA) drought claims cost 2.4 to 2.9 billion euros in 2022, and that one in four victims had been compensated.
A Senate session record dated 29 October 2024 states that the CatNat extra premium rises from 12 to 20 percent from 1 January 2025.
The same Senate record states that the reinsurer CCR has an unlimited state guarantee.
Public Sénat reported that CCR projects an annual deficit of 420 million euros by 2050.
In court and with insurers
Lawsuits and rulings
Insurers
What we don't know
Nature
- Not measured Harm to nature: The record holds no measurement of harm to nature.
Record
- None on record The sources do not state how many RGA claims were filed in total.
- None on record The sources do not say who gained from the surcharge rise.
- None on record The reasons municipal files were not recognized are not stated in the sources reviewed.
- None on record The 420 million euro figure is a 2050 projection; the sources give no current annual deficit.
Did the harm stop?
Not stated in the sources reviewed.
Who paid?
Not stated in the sources reviewed.
Sources
Press and investigations
- Sécheresse: faute de prévention, les assurances pourraient ne pas suivrePublic Sénat · 2023-02-21
- Régime d'indemnisation des catastrophes naturellesSénat · 2024-10-29