France: climate disasters cost insurers 6.5 billion euros in 2023. 2023 is the third most serious year in terms of climate disasters after 1999 and 2022.
The year 1999, marked by storms Lothar and Martin, remains the worst so far. Storms, such as hail, are covered in insurers' damage contracts. Floods and droughts subject to the “cat nat” regime. The State covers half of the costs, thus reducing insurers' bills by half.