Question 15541 — natural disasters

Summary

Mr. Fabrice Barusseau draws the attention of the Minister of Ecological Transition, Biodiversity and International Negotiations on Climate and Nature to the consolidation of an association for the prevention of climate risks. The “Langreney” mission report on the insurability of climate risks was submitted to the Government on April 2, 2024. This report highlights the importance of preventing climate climate risks in order to reduce the cost of losses. According to the Central Reinsurance Fund, a public reinsurer for natural disasters, one euro invested in the prevention of climate risks helps avoid up to eight euros of losses. Today, although these preventive measures are effective, they remain not widespread and do not make an effective contribution to reducing the cost of claims. In France. The report also indicates that this blind spot comes, in part, from social or economic reasons, due to the financial weight of this prevention. The 2023 Senate Finance Committee report on the natural disaster compensation system indicates that “vertical” prevention measures (on buildings) represent several tens of thousands of euros of investments. For the measurements “ horizontal” (on the building environment), the report establishes their cost between 5,000 and 35,000 euros, depending on the number of measurements carried out, with an average being around 10,000 euros. The French Association for the Prevention of Natural and Technological Disasters (AFPCNT), recognized as being of general interest since May 2024, has been trying to establish and disseminate a culture of risk since its creation. However, this association struggles to impose itself and its actions do not sufficiently limit the cost of claims. Indeed, the “Langreney” report establishes that the impact of climate losses is partly due to the lack or even ineffectiveness of risk prevention measures. This may consist of a lack of individual or collective investment in the application of regulations and regulatory measures. Furthermore, objective number 8 of the “Langreney” report proposes to model the functioning of the AFPCNT on the functioning of the Road Prevention association. The latter is partly financed by insurers, since at least 0.5% of the amount of automobile civil liability insurance premiums is obligatorily paid to this association. These resources make it possible to finance prevention and awareness missions about road risks. In reproducing this operation, this would allow the AFPCNT to have a larger budget to be able to finance its various missions and enable better resilience to the consequences of climate change. He therefore wishes to know the Government's intentions regarding the consolidation of this association, in the interest of financing the prevention of climate risks.

Machine translation from French. The official text remains authoritative.

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