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

Mathias André (), Inès Moutachaker, Sacha Nass and Julie Sixou
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Mathias André: INSEE - Institut national de la statistique et des études économiques (INSEE)
Inès Moutachaker: INSEE - Institut national de la statistique et des études économiques (INSEE)
Sacha Nass: INSEE - Institut national de la statistique et des études économiques (INSEE)
Julie Sixou: INSEE - Institut national de la statistique et des études économiques (INSEE)

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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.

Keywords: Climate Climate-related risks; housing wealth; housing; spatial inequalities; Risques climatiques; patrimoine; immobilier; inégalités spatiales (search for similar items in EconPapers)
Date: 2026-11-05
Note: View the original document on HAL open archive server: https://insee.hal.science/hal-05853946v1
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