From risk to resilience : closing the climate insurance protection gap

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<title>From risk to resilience</title>
<subTitle>: closing the climate insurance protection gap</subTitle>
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<namePart>Crugnola-Humbert, Jérôme</namePart>
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<namePart>Council on Economic Policies</namePart>
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<dateIssued>2025</dateIssued>
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<abstract displayLabel="Summary">The report From Risk to Resilience: Closing the Climate Insurance Protection Gap explores how climate change is widening the gap between economic losses from natural disasters and the portion covered by insurance, posing a systemic threat to global financial stability. It emphasizes that insurance, a key tool for economic resilience, is increasingly strained by rising risks, unaffordable premiums, and regional exclusions. The document argues that market forces alone cannot close this gap due to misaligned incentives among insurers, consumers, and governments. It proposes a dual strategy: enhancing physical resilience through climate adaptation investments and boosting financial resilience by expanding accessible and sustainable insurance coverage. Achieving this requires coordinated public policies, public-private partnerships, regulatory incentives, and long-term alignment of stakeholder interests</abstract>
<tableOfContents displayLabel="Contents">The climate insurance protection gap and the tension at the heart of insurance -- Definition and size of the climate insurance protection gap -- Drivers and dynamics of the climate insurance protection gap -- Systemic consequences and threats to financial stability -- Why markets cannot fix the problem alone: misaligned incentives and obstacles to coordinated action -- Policy recommendations for addressing the climate insurance protection gap -- Increasing physical resilience through incentives for climate adaptation -- Increasing financial resilience through better insurance coverage -- Conclusion</tableOfContents>
<note type="statement of responsibility">Jérôme Crugnola-Humbert</note>
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<topic>Brecha de protección</topic>
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<topic>Resiliencia</topic>
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<topic>Desastres naturales</topic>
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<topic>Pérdidas</topic>
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<topic>Análisis de riesgos</topic>
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<topic>Riesgo sistémico</topic>
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<topic>Cambio climático</topic>
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<topic>Gerencia de riesgos</topic>
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<topic>Seguro de riesgos extraordinarios</topic>
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