All multi-risk house insurance policies in France make full provision for damage caused by natural disaster (catastrophe naturelle), such as a drought, avalanche, earthquake, or flooding. Damage caused by fire, storms, hail and snow is not covered by the 'CatNat' scheme, but by standard insurance cover.
Over half the homes in France are exposed to the risk of a natural disaster in one form or another. The graphic below shows those areas where natural disasters have occurred to 2021, and the number of disasters since 2011.
