{"id":27793,"date":"2026-04-01T12:50:01","date_gmt":"2026-04-01T12:50:01","guid":{"rendered":"https:\/\/www.asquarepartners.com\/?p=27793"},"modified":"2026-04-01T13:07:57","modified_gmt":"2026-04-01T13:07:57","slug":"catastrophes-naturelles-eviter-la-crise-de-lassurabilite-en-france","status":"publish","type":"post","link":"https:\/\/www.asquarepartners.com\/nl\/catastrophes-naturelles-eviter-la-crise-de-lassurabilite-en-france\/","title":{"rendered":"Catastrophes naturelles : \u00e9viter la crise de l\u2019assurabilit\u00e9 en France"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"27793\" class=\"elementor elementor-27793\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-63f3bb7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"63f3bb7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6cab91b\" data-id=\"6cab91b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-14fce14 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14fce14\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fa5476d\" data-id=\"fa5476d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8056c64 elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8056c64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"367\" data-end=\"693\">Suite \u00e0 la publication du <strong><a href=\"https:\/\/reclaimfinance.org\/site\/2026\/03\/11\/catastrophes-naturelles-eviter-la-crise-de-lassurabilite-en-france\/\">rapport<\/a><\/strong> de l\u2019ONG <b>Reclaim Finance<\/b>, le d\u00e9bat sur l\u2019assurabilit\u00e9 des catastrophes naturelles en France refait surface. Entre hausse des co\u00fbts climatiques, d\u00e9s\u00e9quilibres financiers et rentabilit\u00e9 du secteur, l\u2019\u00e9tude met en lumi\u00e8re les tensions croissantes d\u2019un mod\u00e8le longtemps consid\u00e9r\u00e9 comme robuste.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1b2282 elementor-widget elementor-widget-heading\" data-id=\"b1b2282\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\ud83d\udd11 Points cl\u00e9s \u00e0 retenir<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1eaad29 elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1eaad29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-section-id=\"1s9ngan\" data-start=\"4012\" data-end=\"4100\">Le rapport de Reclaim Finance alerte sur un risque de d\u00e9s\u00e9quilibre du mod\u00e8le Cat-Nat<\/li><li data-section-id=\"1hg1plo\" data-start=\"4101\" data-end=\"4195\">46 % des co\u00fbts li\u00e9s aux catastrophes climatiques en France (2015-2024) restent non assur\u00e9s<\/li><li data-section-id=\"2iprtv\" data-start=\"4196\" data-end=\"4244\">Les r\u00e9serves de la CCR ont diminu\u00e9 de moiti\u00e9<\/li><li data-section-id=\"121xq78\" data-start=\"4245\" data-end=\"4334\">Les grands assureurs europ\u00e9ens affichent une forte rentabilit\u00e9 sur la p\u00e9riode r\u00e9cente<\/li><li data-section-id=\"f7fz8m\" data-start=\"4335\" data-end=\"4407\">Le secteur conteste l\u2019analyse et d\u00e9fend la solidit\u00e9 du mod\u00e8le actuel<\/li><li data-section-id=\"1m27agt\" data-start=\"4408\" data-end=\"4477\">La question de la r\u00e9partition du co\u00fbt climatique devient centrale<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ceaf4d0 elementor-widget elementor-widget-spacer\" data-id=\"ceaf4d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffa0fe6 elementor-widget elementor-widget-heading\" data-id=\"ffa0fe6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Un mod\u00e8le sous pression croissante<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-146647c elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"146647c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1047\" data-end=\"1225\">Selon les conclusions du rapport, le r\u00e9gime fran\u00e7ais des catastrophes naturelles (fond\u00e9 sur un partenariat public-priv\u00e9 depuis 1982) montre aujourd\u2019hui des signes de fragilit\u00e9.<\/p><p data-start=\"1227\" data-end=\"1458\">Entre 2015 et 2024,\u00a0<strong data-start=\"1247\" data-end=\"1342\">46 % des dommages li\u00e9s aux \u00e9v\u00e9nements climatiques extr\u00eames en France n\u2019ont pas \u00e9t\u00e9 couverts<\/strong>, soit pr\u00e8s de\u00a0<strong data-start=\"1357\" data-end=\"1381\">16 milliards d\u2019euros<\/strong>\u00a0support\u00e9s par les particuliers, les collectivit\u00e9s et les finances publiques.<\/p><p data-start=\"1460\" data-end=\"1655\">Dans le m\u00eame temps, les capacit\u00e9s d\u2019absorption du syst\u00e8me s\u2019\u00e9rodent. Les r\u00e9serves de la Caisse Centrale de R\u00e9assurance (CCR), pilier du dispositif, ont diminu\u00e9 de\u00a0<strong data-start=\"1623\" data-end=\"1631\">50 %<\/strong>\u00a0sur la p\u00e9riode r\u00e9cente.<\/p><p data-start=\"367\" data-end=\"693\">\u00a0<\/p><p data-start=\"1657\" data-end=\"1787\">\u00c0 l&#8217;horizon 2050, la situation pourrait encore se tendre, avec un\u00a0<strong data-start=\"1721\" data-end=\"1786\">doublement attendu des co\u00fbts li\u00e9s aux catastrophes naturelles<\/strong>.<\/p><p data-start=\"367\" data-end=\"693\">\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8737c5f\" data-id=\"8737c5f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a00649f elementor-widget elementor-widget-image\" data-id=\"a00649f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/reclaimfinance.org\/site\/2026\/03\/11\/catastrophes-naturelles-eviter-la-crise-de-lassurabilite-en-france\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"538\" height=\"767\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/04\/Capture-decran-2026-03-04-142034-e1772633443960.png\" class=\"attachment-full size-full wp-image-27795\" alt=\"reclaim finance\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/04\/Capture-decran-2026-03-04-142034-e1772633443960.png 538w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/04\/Capture-decran-2026-03-04-142034-e1772633443960-210x300.png 210w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/04\/Capture-decran-2026-03-04-142034-e1772633443960-8x12.png 8w\" sizes=\"(max-width: 538px) 100vw, 538px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-199b5d2 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"199b5d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/reclaimfinance.org\/site\/2026\/03\/11\/catastrophes-naturelles-eviter-la-crise-de-lassurabilite-en-france\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Consultez le rapport complet<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d5f19a elementor-widget elementor-widget-heading\" data-id=\"0d5f19a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Une lecture contest\u00e9e par la profession<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ef927d elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6ef927d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tCes conclusions ne font toutefois pas consensus.\u00a0<span style=\"letter-spacing: 0.4px; font-size: 1rem;\">Suite \u00e0 la publication du rapport, France Assureurs a rapidement r\u00e9agi en d\u00e9fendant la robustesse du mod\u00e8le fran\u00e7ais. La f\u00e9d\u00e9ration souligne qu\u2019il <\/span><strong style=\"letter-spacing: 0.4px; font-size: 1rem;\" data-start=\"2828\" data-end=\"2893\">n\u2019existe pas, \u00e0 ce stade, de crise g\u00e9n\u00e9ralis\u00e9e d\u2019assurabilit\u00e9<\/strong><span style=\"letter-spacing: 0.4px; font-size: 1rem;\">, en dehors de situations sp\u00e9cifiques.<\/span>\n<p data-start=\"2933\" data-end=\"2962\">Elle rappelle \u00e9galement que :<\/p>\n\n<ul data-start=\"2963\" data-end=\"3180\">\n \t<li data-section-id=\"oxs03\" data-start=\"2963\" data-end=\"3025\">le r\u00e9gime Cat-Nat repose sur un m\u00e9canisme mutualis\u00e9 unique;<\/li>\n \t<li data-section-id=\"f916f\" data-start=\"3026\" data-end=\"3081\">les assureurs indemnisent directement les sinistr\u00e9s;<\/li>\n \t<li data-section-id=\"1on15l0\" data-start=\"3082\" data-end=\"3180\">la rentabilit\u00e9 doit \u00eatre analys\u00e9e \u00e0 un niveau global et non uniquement sur certaines activit\u00e9s.<\/li>\n<\/ul><\/br>\nSur le march\u00e9 fran\u00e7ais, le ratio combin\u00e9 moyen en assurance habitation sur cinq ans avoisine les <strong style=\"background-color: transparent; font-size: 1rem; letter-spacing: 0.4px;\" data-start=\"3279\" data-end=\"3289\">99,9 %<\/strong><span style=\"background-color: transparent; font-size: 1rem; letter-spacing: 0.4px;\">, traduisant des marges techniques tr\u00e8s limit\u00e9e.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80814d6 elementor-widget elementor-widget-heading\" data-id=\"80814d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Un d\u00e9bat qui d\u00e9passe les chiffres<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76d6fcd elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"76d6fcd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3382\" data-end=\"3563\">Au-del\u00e0 des divergences d\u2019interpr\u00e9tation, le rapport de Reclaim Finance a le m\u00e9rite de poser une question centrale : <strong data-start=\"3499\" data-end=\"3563\">qui doit porter le co\u00fbt croissant du changement climatique ?<\/strong><\/p><p data-start=\"3565\" data-end=\"3737\">Entre solidarit\u00e9 nationale, responsabilit\u00e9 des acteurs priv\u00e9s et soutenabilit\u00e9 \u00e9conomique du syst\u00e8me, le mod\u00e8le assurantiel fran\u00e7ais entre dans une phase de transformation.<\/p><p data-start=\"3739\" data-end=\"3972\">Pr\u00e9vention des risques, \u00e9volution des m\u00e9canismes de financement, r\u00e9partition plus \u00e9quilibr\u00e9e des charges\u2026 autant de leviers qui devront \u00eatre activ\u00e9s pour pr\u00e9server un syst\u00e8me cl\u00e9 dans la protection des territoires et des populations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2b16bd4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2b16bd4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e85c40b\" data-id=\"e85c40b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-de10718 elementor-widget elementor-widget-spacer\" data-id=\"de10718\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8bff609 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8bff609\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-558685d\" data-id=\"558685d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3633264 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"3633264\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Image Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" 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