Insurance – Natural disaster status recognized for 163 municipalities

Credit: © NICOLAS TUCAT / AFP

Following the thunderstorms and storms that occurred between October 2019 and September 2022, the decree of September 19, 2022 recognizes the state of natural disasters in 128 municipalities, located in 39 departments, due to damage caused by floods and mudslides, ground movements, earthquakes and cyclonic winds. Another decree of September 20, 2022 recognizes the state of natural disasters in 35 municipalities, located in 12 departments, for damages caused by landslides after drought and soil rehydration between July 2019 and December 2021.

Decree of 19 September 2022 on recognition of the state of natural disaster in 128 municipalities

A decree of September 19, 2022, recognizing the state of natural disasters in 128 municipalities, distributed in 39 departments, was published in Official newspaper of 12 October 2022.

If your property has been damaged, you have 10 days after the announcement of the order to report the damage to your insurance company in order to handle the settlement of the damage.

The municipalities recognized as natural disasters are located in one of the following 39 departments

Aisne (02)

Sleeve (50)

The Ardennes (08)

Marne (51)

Bouches-du-Rhône (13)

Moselle (57)

Cantal (15)

Nievre (58)

Charente Maritime (17)

North (59)

Dream (26)

Oise (60)

Eure-et-Loir (28)

Pas-de-Calais (62)

Finishers (29)

Pyrenees-Atlantiques (64)

South Corsica (2A)

Hautes-Pyrenees (65)

Upper Corsica (2B)

Bas-Rhin (67)

Guard (30)

Saone-et-Loire (71)

Upper Garonne (31)

Yvelines (78)

Gers (32)

Total (80)

Gironde (33)

Were (83)

Herault (34)

Vaucluse (84)

Ille-et-Vilaine (35)

Vienna (86)

Indre et Loire (37)

Yonne (89)

Isere (38)

Essone (91)

Loire (42)

Hauts-de-Seine (92)

Loire-Atlantique (44)


Remember: the state of natural disaster is a guarantee established by the state since 1982 to compensate the victims of rare natural events (drought, violent storm, flood, mudslide, avalanche, earthquake, etc.). This guarantee is concretely implemented by decrees that determine the areas and periods in which the damage occurred.


To note : damage caused by hail and strong winds is excluded from the “natural disasters” warranty. They are covered by the “storm, snow and hail” guarantee for property damage insurance contracts.

The decree of 19 September 2022 published in Official newspaper of 12 October 2022 also shows the 46 municipalities whose requests for recognition of the state of natural disaster have been rejected, they are listed in Annex II of the decreefor the risk and for the specified periods.

Decree of 20 September 2022 on recognition of the state of natural disaster in 35 municipalities

A decree of 20 September 2022 published in Official newspaper of October 12, 2022 recognizes the state of natural disasters in 35 municipalities, located in 12 departments, for damages caused by landslides after drought and soil rehydration between July 2019 and December 2021.

If your property has been damaged, you have 10 days after the announcement of the order to report the damage to your insurance company in order to handle the settlement of the damage.

The municipalities recognized in a state of natural disaster are located in one of the following 12 departments

Aveyron (12)

Haute-Saone (70)

Cantal (15)

Sarthe (72)

Herault (34)

Two-Sevres (79)

Moselle (57)

Vaucluse (84)

Pas-de-Calais (62)

Vendée (85)

Pyrenees-Atlantiques (64)

Vienna (86)

The decree of 20 September 2022 published in Official newspaper of 12 October 2022 also shows the 93 municipalities whose requests for recognition of the state of natural disaster have been rejected, they are listed in Annex II of the decreefor the risk and for the specified periods.

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