{"id":352129,"date":"2026-08-10T06:30:00","date_gmt":"2026-08-10T04:30:00","guid":{"rendered":"https:\/\/legrandcontinent.eu\/fr\/?p=352129"},"modified":"2026-08-10T00:08:49","modified_gmt":"2026-08-09T22:08:49","slug":"la-france-et-leurope-deviendront-elles-inassurables","status":"publish","type":"post","link":"https:\/\/legrandcontinent.eu\/fr\/2026\/08\/10\/la-france-et-leurope-deviendront-elles-inassurables\/","title":{"rendered":"La France et l\u2019Europe deviendront-elles inassurables&#160;?\u00a0"},"content":{"rendered":"\n<p>Les s\u00e9cheresses exceptionnelles et les incendies qui ont frapp\u00e9 la France, l\u2019Espagne et une grande partie de l\u2019Europe cet \u00e9t\u00e9 auront des cons\u00e9quences \u00e9conomiques majeures, dont on commence seulement \u00e0 mesurer l\u2019ampleur&#160;: destruction de logements et de capital productif, pertes de production colossales, notamment dans l\u2019agriculture et l\u2019industrie agroalimentaire, suivie par une inflation importante sur les prix de ces produits.<\/p>\n\n\n\n<div class=\"iframe-container wp-block-image wp-block-image-medium  iframe-dw\">\n\t<div>\n\t\t<iframe class=\"absolute w-full h-full pin-t pin-l\" title=\"titolo\" aria-label=\"Interactive line chart\" src=\"\/\/datawrapper.dwcdn.net\/rwuYb\/\" scrolling=\"no\" frameborder=\"0\"><\/iframe>\n\t<\/div>\n<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Selon les donn\u00e9es rassembl\u00e9es par l\u2019Agence europ\u00e9enne de l\u2019environnement, les quatre ann\u00e9es 2021-2024 ont \u00e9t\u00e9 celles o\u00f9 les pertes \u00e9conomiques directes caus\u00e9e par des \u00e9v\u00e9nements climatiques (temp\u00eates, inondations, incendies, gel, gr\u00eale et s\u00e9cheresse) ont \u00e9t\u00e9 les plus importantes depuis 1980, avec 208 milliards d\u2019euros de dommages recens\u00e9s pour l\u2019ensemble de l\u2019Union.<\/li>\n\n\n\n<li>Lorsque les donn\u00e9es de 2026 seront \u00e9galement disponibles, ce record sera, selon toute probabilit\u00e9, largement d\u00e9pass\u00e9.\u00a0\u00a0<\/li>\n\n\n\n<li>Ces \u00e9v\u00e9nements, d\u00e9sormais r\u00e9currents et dont l&rsquo;impact est croissant d&rsquo;ann\u00e9e en ann\u00e9e, posent de tr\u00e8s nombreuses questions en mati\u00e8re de politiques publiques d&rsquo;adaptation au changement climatique.\u00a0<\/li>\n\n\n\n<li>Ils cr\u00e9ent notamment de graves difficult\u00e9s pour le secteur des assurances, qui est l&rsquo;un des moyens privil\u00e9gi\u00e9s depuis longtemps pour amortir le choc provoqu\u00e9 par ce type d&rsquo;\u00e9v\u00e9nements pour des individus, des r\u00e9gions ou des activit\u00e9s donn\u00e9s.<\/li>\n\n\n\n<li>Or, la fr\u00e9quence croissante des \u00e9v\u00e9nements climatiques extr\u00eames et la hausse des co\u00fbts qu\u2019ils engendrent mettent les assureurs \u00e0 mal. Il s&rsquo;agit en plus de dynamiques nouvelles et changeantes, pour lesquelles ils ne disposent pas de l\u2019historique n\u00e9cessaire pour estimer les risques et ajuster les primes d\u2019assurance dans les cas usuels.\u00a0<\/li>\n\n\n\n<li>En r\u00e9action, ils ont tendance \u00e0 augmenter fortement leurs tarifs et\/ou \u00e0 r\u00e9duire leur couverture. Ce qui revient \u00e0 laisser de plus en plus de citoyens et d&rsquo;entreprises assumer seuls ces co\u00fbts.<\/li>\n<\/ul>\n\n\n\n<div class=\"iframe-container wp-block-image wp-block-image-medium  iframe-dw\">\n\t<div>\n\t\t<iframe class=\"absolute w-full h-full pin-t pin-l\" title=\"titolo\" aria-label=\"Interactive line chart\" src=\"\/\/datawrapper.dwcdn.net\/OH70e\/\" scrolling=\"no\" frameborder=\"0\"><\/iframe>\n\t<\/div>\n<\/div>\n\n\n\n<p>Cette tendance est d&rsquo;autant plus pr\u00e9occupante que, selon la Banque centrale europ\u00e9enne&nbsp;<span class='whitespace-nowrap'><span id='easy-footnote-1-352129' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote note-digits-1'><a href='https:\/\/legrandcontinent.eu\/fr\/2026\/08\/10\/la-france-et-leurope-deviendront-elles-inassurables\/#easy-footnote-bottom-1-352129' title='\u00ab&amp;#160;&lt;a href=&quot;https:\/\/www.ecb.europa.eu\/ecb\/climate\/climate\/html\/index.en.html&quot;&gt;The climate insurance protection gap&lt;\/a&gt;&amp;#160;\u00bb, Banque centrale europ\u00e9enne.'><sup>1<\/sup><\/a><\/span><\/span> et le r\u00e9gulateur europ\u00e9en des assurances, seuls un quart des dommages caus\u00e9s par les \u00e9v\u00e9nements climatiques sont actuellement couverts par les assureurs dans l&rsquo;Union.\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dans un contexte o\u00f9 le montant de ces pertes explose d\u2019ann\u00e9e en ann\u00e9e, les Europ\u00e9ens ont certainement besoin de plus de couverture assurantielle, et non de moins. Or, c&rsquo;est pr\u00e9cis\u00e9ment dans cette direction que la dynamique spontan\u00e9e du march\u00e9 conduit les acteurs&nbsp;<span class='whitespace-nowrap'><span id='easy-footnote-2-352129' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote note-digits-1'><a href='https:\/\/legrandcontinent.eu\/fr\/2026\/08\/10\/la-france-et-leurope-deviendront-elles-inassurables\/#easy-footnote-bottom-2-352129' title='\u00ab&amp;#160;&lt;a href=&quot;https:\/\/www.eiopa.europa.eu\/tools-and-data\/dashboard-insurance-protection-gap-natural-catastrophes_en&quot;&gt;Dashboard on insurance protection gap for natural catastrophes&lt;\/a&gt;&amp;#160;\u00bb, European Insurance and Occupational Pensions Authority.'><sup>2<\/sup><\/a><\/span><\/span>.<\/li>\n\n\n\n<li>Outre les probl\u00e8mes humains, sociaux et \u00e9conomiques colossaux que cela engendre, ces pertes non assur\u00e9es cr\u00e9ent \u00e9galement des risques suppl\u00e9mentaires pour l&rsquo;autre pilier du syst\u00e8me financier&#160;: les banques. Celles-ci se retrouvent en effet confront\u00e9es \u00e0 des clients, particuliers ou entreprises, incapables de rembourser les cr\u00e9dits qu\u2019elles leur ont accord\u00e9s, comme le rappelle le Center for Economic Transition Expertise de la London School of Economics&nbsp;<span class='whitespace-nowrap'><span id='easy-footnote-3-352129' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote note-digits-1'><a href='https:\/\/legrandcontinent.eu\/fr\/2026\/08\/10\/la-france-et-leurope-deviendront-elles-inassurables\/#easy-footnote-bottom-3-352129' title='Martina Menegat, Morgan Despr\u00e9s, \u00ab&amp;#160;&lt;a href=&quot;https:\/\/cetex.org\/publications\/the-insurance-bank-nexus-the-climate-protection-gap-as-a-source-of-risk-for-the-financial-system\/&quot;&gt;The insurance\u2013bank nexus&amp;#160;: the climate protection gap as a source of risk for the financial system&lt;\/a&gt;&amp;#160;\u00bb, CETEX, 25 juin 2026.'><sup>3<\/sup><\/a><\/span><\/span>.\u00a0<\/li>\n\n\n\n<li>Si la question des pertes non assur\u00e9es n&rsquo;est pas r\u00e9gl\u00e9e, les banques risquent de refuser des cr\u00e9dits ou d&rsquo;augmenter fortement leurs taux pour des clients, des r\u00e9gions ou des secteurs jug\u00e9s \u00e0 risque, ce qui amplifiera les effets n\u00e9gatifs des \u00e9v\u00e9nements climatiques.\u00a0<\/li>\n\n\n\n<li>C&rsquo;est la raison pour laquelle, depuis 2023, la Banque centrale europ\u00e9enne et le r\u00e9gulateur europ\u00e9en des assurances appellent ensemble \u00e0 la cr\u00e9ation d&rsquo;un m\u00e9canisme europ\u00e9en de r\u00e9assurance \u2014 une assurance des assurances en quelque sorte \u2013, pour les risques li\u00e9s au climat. Ce dispositif pourrait \u00eatre compl\u00e9t\u00e9 par la cr\u00e9ation d&rsquo;un fonds public europ\u00e9en pour aider les \u00c9tats membres \u00e0 faire face \u00e0 ces risques pour les infrastructures publiques.<\/li>\n<\/ul>\n\n\n\n<p>La mise en place de m\u00e9canismes de ce type ne peut et ne doit \u00e9videmment pas servir \u00e0 maintenir le statu quo et se substituer \u00e0 une politique d\u2019adaptation volontariste au changement climatique.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>C\u2019est le probl\u00e8me classique de l\u2019al\u00e9a moral en mati\u00e8re d\u2019assurances&#160;: en limitant les co\u00fbts subis suite \u00e0 tel ou tel sinistre, on limite aussi l\u2019incitation \u00e0 prendre des mesures pour \u00e9viter que le probl\u00e8me ne se reproduise \u00e0 l\u2019avenir.\u00a0<\/li>\n\n\n\n<li>Pour \u00e9viter cela, des mesures europ\u00e9ennes de r\u00e9assurance au profit des \u00c9tats membres pourraient \u00eatre conditionn\u00e9es \u00e0 la mise en place effective de plans d\u2019adaptation ambitieux.\u00a0\u00a0<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Les \u00e9v\u00e9nements climatiques extr\u00eames, d\u00e9sormais r\u00e9currents et dont l&rsquo;impact est croissant d&rsquo;ann\u00e9e en ann\u00e9e, posent une question cruciale aux banques et aux assurances. <\/p>\n","protected":false},"author":40,"featured_media":352138,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/post-briefings.php","format":"standard","meta":{"_acf_changed":true,"_trash_the_other_posts":false,"_yoast_wpseo_estimated-reading-time-minutes":4,"_lgc_tts_voice":"","_lgc_tts_publish":false,"_lgc_tts_history_item_id":"","_lgc_tts_generated_at":"","_lgc_tts_status":"","_lgc_tts_error":"","footnotes":""},"categories":[1730],"tags":[],"staff":[4180],"editorial_format":[4942],"serie":[],"audience":[],"geo":[1917],"class_list":["post-352129","post","type-post","status-publish","format-standard","hentry","category-energie-et-environnement","staff-guillaume-duval","editorial_format-actu-breves","geo-europe"],"acf":{"open_in_webview":false,"accent":"default","_thumbnail_id":352138,"excerpt":"Les \u00e9v\u00e9nements climatiques extr\u00eames, d\u00e9sormais r\u00e9currents et dont l'impact est croissant d'ann\u00e9e en ann\u00e9e, posent une question cruciale aux banques et aux assurances. ","display_date":"","new_abstract":true},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>La France et l\u2019Europe deviendront-elles inassurables ?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/legrandcontinent.eu\/fr\/2026\/08\/10\/la-france-et-leurope-deviendront-elles-inassurables\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La France et l\u2019Europe deviendront-elles inassurables ?\" \/>\n<meta property=\"og:description\" content=\"Les \u00e9v\u00e9nements climatiques extr\u00eames, d\u00e9sormais r\u00e9currents et dont l&#039;impact est croissant d&#039;ann\u00e9e en ann\u00e9e, posent une question cruciale aux banques et aux assurances.\" \/>\n<meta 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