- 2.4 to 2.9 billion EUR
spent by France’s natural disaster insurance scheme during 2022 droughts
- 32 municipalities
and 38 real estate agencies approached as dissemination partners
- 2023-2026
implementation timeline
Replicability
Scaling up the assessment of vulnerable clay areas through digital assessments that strengthen infrastructure resilience in the face of climate-induced clay shrinkage.
Best suited for
This model is best suited for regions that experience climate-sensitive geological risks, particularly areas with clay-rich soils that are vulnerable to shrink-swell processes through drought and flood hazards made worse by climate change. While the Lyon pilot focused on CSS damage in France, the model can be transferred to other regions that have reliable data sources such as hazard maps, property information and climate data, in order to enable a seamless integration of available datasets into the system. It is particularly valuable in locations facing increasing climate risks and insurance protection gaps related to residential property damage.
Stakeholders' role
The model relies on collaboration among multiple stakeholders. Core implementation stakeholders included the Sustainable Finance Observatory as the pilot leader, while Amigo SRL played a supporting role in activity testing and feedback. Homeowners, as end users, provided essential feedback on the usage of the CSSBDA. Dissemination targeted other stakeholders for engagement, including real estate agencies and city halls.
Built-in scalable tools
The model was designed to be scalable, with digital, data-driven components that can be adapted to new geographies. The solution was initially tested in Lyon and subsequently is being expanded to national coverage across France through the computation of the CDI at national level. This in itself demonstrates its scalability in practice. Its modular structure makes it possible for different data sources from different areas to be integrated depending on local availability.
Funding pathways
The pilot case was developed through the Horizon Europe-funded PIISA project, as part of the EU Mission on Adaptation to Climate Change.
