Climate change: how fires and floods are creating uninsurable areas across Europe

By Clotilde Cerdan Amiard, Profesora Asociada en Finanzas Sostenibles, IE University

As climate change makes extreme weather events more intense and frequent, “uninsurable areas” are becoming increasingly common. They are a clear demonstration that insurance – the mechanism through which modern societies deal with all kinds of risk – is structurally underprepared for this new climate era.

Uninsurable areas refer to places where property insurance has become either impossible to get or to afford. This can happen because insurers are not offering coverage in a high climate risk area (due to coverage limits or market withdrawal), or because they offer insurance at premiums…

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