Milliman：2025年欧洲极端天气损失评估及保险公司应对策略研究报告（英文版）（46页）.pdf

1、MILLIMAN ANNUAL REPORTExtreme weather in EuropeNiccol Basetti Sani Vettori,ISOAMohamed Benkhalfa,FIAAda BowlerDiana Dodu,ACAS,Full ARA MemberAnkush Hingorani,IAEMonika Lis,CRSAHoussayn MericheJohn MulvihillIan Penfold,FIAVictoria Pointner,AVFrancesco PugassiJose Silveiro,IAFrancesca TiozzoMenno van

2、Wijk,AAGLaura Witting,AVThe toll of 2025s extreme weather events across Europeand steps insurers can take now to reduce the financial risks posed by climate changeMARCH 2026Table of contents EXECUTIVE SUMMARY.1EUROPE OVERVIEW.3AUSTRIA.6BELGIUM.8FRANCE.10GERMANY.12IRELAND.14ITALY.16LUXEMBOURG.18THE N

3、ETHERLANDS.20POLAND.22PORTUGAL.25ROMANIA.27SPAIN.29UNITED KINGDOM.32CONCLUSION AND ACTIONABLE STEPS FOR INSURERS.36ENDNOTES.381Extreme weather in Europe|March 2026EXECUTIVE SUMMARYExecutive summaryHOW DID EXTREME WEATHER EVENTS AFFECT INSURERS,GOVERNMENTS AND COMMUNITIES?The year 2025 ranked among t

4、he three warmest years on record,according to the World Meteorological Organization,even as scientists from the European Union determined that average temperatures have now exceeded 1.5C of global warming for the longest stretch of time since records began.1 As in other recent years,Europe continued

5、 to feel the effects of sustained warming related to climate change,including the frequency and intensity of heatwaves,droughts,floods,storms and hail.This paper summarises the severe heat,drought and other extreme weather events that occurred in 13 European countries in 2025 and the impact of these

6、 events on insurers,governments and communities.We conclude with some concrete,actionable steps for insurers seeking to manage climate-related financial risks and contribute to a more resilient and sustainable future.Growing impact of heat and drought and their associated risks In one study,research