{
  "abstract": "Climate change increases the value of fine-scale risk information in household insurance, but its competitive use may weaken pooling and reduce effective availability in exposed areas. We study this mechanism in the French Cat-Nat system, where natural-catastrophe coverage is formally pooled through a regulated surcharge but accessed through the underlying household-insurance contract. First, we use controlled online quote requests to compare otherwise identical addresses with different flood or clay shrink-swell exposure. The evidence shows heterogeneous insurer responses: coarse pooling, within-commune premium differentiation, and non-quoting in some exposed micro-locations. Second, we develop a stylized dynamic pricing game with insurers that differ in pricing granularity. Numerical equilibria show that fine segmentation attracts low-risk households, shifts high-risk households toward less granular insurers, and erodes implicit cross-subsidies. Market-share constraints mainly slow this reallocation. The results highlight why climate-insurance governance must monitor local availability, not only formal coverage or aggregate market presence.",
  "abstract_shown": true,
  "affiliations": [],
  "article_type": null,
  "arxiv": null,
  "author_total": 4,
  "authors": [
    {
      "name": "Raphael Dalbarade"
    },
    {
      "name": "Arthur Charpentier"
    },
    {
      "name": "Laurence Barry"
    },
    {
      "name": "Caroline Hillairet"
    }
  ],
  "bibtex": "https://research.draconitic.com/paper/0e2x8yj3fjqqr.bib",
  "cited_by": 0,
  "doi": null,
  "fulltext_url": null,
  "id": "0e2x8yj3fjqqr",
  "issns": [],
  "landing_url": "https://hal.science/hal-05721257v1",
  "language": "en",
  "licence": "CC-BY-NC-ND-4.0",
  "licence_label": "CC BY-NC-ND 4.0",
  "licence_source": "article",
  "licence_url": "https://creativecommons.org/licenses/by-nc-nd/4.0/",
  "metadata_licence": null,
  "native_subjects": [
    [
      "hal",
      "0.info"
    ],
    [
      "hal",
      "0.qfin"
    ],
    [
      "hal",
      "0.stat"
    ],
    [
      "hal",
      "1.info.info-mo"
    ],
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  "openalex": null,
  "pdf_url": "https://hal.science/hal-05721257/document",
  "pmcid": null,
  "pmid": null,
  "published": "2026-06-06",
  "publisher": null,
  "ris": "https://research.draconitic.com/paper/0e2x8yj3fjqqr.ris",
  "sources": [
    {
      "first_seen": "2026-10-30T12:17:21Z",
      "native_id": "hal-05721257",
      "source": "hal",
      "url": "https://hal.science/hal-05721257v1"
    }
  ],
  "subjects": [
    {
      "field": "mathematics",
      "origin": "hal:0.stat",
      "subfield": "statistics"
    }
  ],
  "title": "Granular Pricing and Effective Withdrawal in Climate-Exposed Household Insurance in France",
  "title_text": "Granular Pricing and Effective Withdrawal in Climate-Exposed Household Insurance in France",
  "type": "preprint",
  "updated_at": "2026-10-30T12:17:21Z",
  "url": "https://research.draconitic.com/paper/0e2x8yj3fjqqr",
  "venue": "HAL",
  "versions": []
}