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PreprintCC BY 4.0HAL

Panorama des risques climatiques en France : Exposition des ménages et de leur patrimoine immobilier

  • Mathias André
  • Inès Moutachaker
  • Sacha Nass
  • Julie Sixou
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Abstract

Climate change is expected to increase the frequency and intensity of climate-related hazards, raising risks for households and their homes. This study draws on comprehensive data covering the entire housing stock and the characteristics of owner and occupant households, combined with detailed maps of four hazards: clay shrink–swell, wildfires, river flooding and coastal flooding. Currently, 43% of homes are exposed to at least one of these hazards. Clay shrink–swell is the most widespread: 34% of the current housing stock could be affected, at least partially. Exposure to multiple hazards is also significant: 8% of homes are exposed to at least two hazards, with some areas, including Gironde, Nord and Pas-de-Calais, particularly exposed. Home exposure generally increases with the living standards of the occupying household, except for coastal flooding. By contrast, the relationship between exposure and the living standards of owner households is more complex and often shows lower exposure among wealthier owners.

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Cite

BibTeXRIS
BibTeX
@misc{andre2026panorama,
  title = {{Panorama des risques climatiques en France : Exposition des ménages et de leur patrimoine immobilier}},
  author = {Mathias André and Inès Moutachaker and Sacha Nass and Julie Sixou},
  howpublished = {HAL},
  year = {2026},
  month = nov,
  url = {https://insee.hal.science/hal-05853946v1},
  note = {CC BY 4.0},
}
RIS
TY  - UNPB
TI  - Panorama des risques climatiques en France : Exposition des ménages et de leur patrimoine immobilier
AU  - Mathias André
AU  - Inès Moutachaker
AU  - Sacha Nass
AU  - Julie Sixou
PY  - 2026
DA  - 2026/11/05
PB  - HAL
UR  - https://insee.hal.science/hal-05853946v1
AB  - Climate change is expected to increase the frequency and intensity of climate-related hazards, raising risks for households and their homes. This study draws on comprehensive data covering the entire housing stock and the characteristics of owner and occupant households, combined with detailed maps of four hazards: clay shrink–swell, wildfires, river flooding and coastal flooding. Currently, 43% of homes are exposed to at least one of these hazards. Clay shrink–swell is the most widespread: 34% of the current housing stock could be affected, at least partially. Exposure to multiple hazards is also significant: 8% of homes are exposed to at least two hazards, with some areas, including Gironde, Nord and Pas-de-Calais, particularly exposed. Home exposure generally increases with the living standards of the occupying household, except for coastal flooding. By contrast, the relationship between exposure and the living standards of owner households is more complex and often shows lower exposure among wealthier owners.
ER  -