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Natural hazard insurance; information portal for protection against natural disasters
The portal provides information on how you can insure yourself against the most common natural hazards and offers tips on structural and technical precautionary measures.
Responsible for you
Bayerisches Staatsministerium für Wirtschaft, Landesentwicklung und Energie
Secure contact form
Street address
Prinzregentenstr. 28
80538 München
Postal address
80525 München
Phone
Fax
Website
Standort im BayernAtlas
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Procedure details
Description
Heavy rain, floods or storms - these and other natural disasters can occur more and more frequently due to climate change. They can lead to damage to buildings, household contents or inventory. This is why the Bavarian state government is calling on private individuals and companies to take out comprehensive insurance against damage caused by natural hazards with its "Think ahead - insure against natural hazards" publicity campaign. On this Internet portal you will find information on the relevant measures.
The portal first provides an overview of the most important natural hazards that can occur in Bavaria - above all flooding caused by high water and heavy rainfall. Floods are caused, for example, by continuous rain or melting snow and lead to flooding, which can result in personal injury and damage to property. Damage caused by heavy rainfall events occurs when large amounts of rainfall occur within a short period of time and the water cannot seep away quickly enough. Heavy rainfall is possible at any time throughout Bavaria and, according to scientific forecasts, will occur more frequently in the future (as a result of climate change).
The portal focuses on the topic of insurance. Here you will find information on how to insure residential buildings, apartments, business premises and business equipment against damage caused by natural hazards. You can also find out how a building can be insured against natural hazards.
The website also highlights the biggest misconceptions that lead to many people not taking out natural hazard insurance. These include the assumption that their own place of residence is not at risk or that natural hazards are automatically covered by household contents insurance.
The portal also provides information on precautionary measures that you can take to protect yourself against potential damage. For example, you can download a flood protection guide here. You can also find out which state benefits the Bavarian state government provides in order to mitigate the effects of climate change and ensure the best possible adaptation to unavoidable consequences. Also available on the website is the information sheet on natural hazards, in which the Bavarian state government informs about the end of state financial support in the form of emergency aid after natural disasters on July 1, 2019.
You will also find links and contact points on the website, including information on precautionary measures against flooding and snow pressure as well as information and warning services.
Related links
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Elementar versichernInformieren Sie sich im Informationsportal über die wichtigsten Naturgefahren in Bayern, die Möglichkeiten des Versicherungsschutzes, die baulichen und technischen Vorsorgemaßnahmen sowie das richtige Verhalten vor, während und nach einem Katastrophenfall.
Related issues
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Floods; retrieval of warning messagesFloods can cause enormous financial losses and endanger human lives. Early warning can significantly reduce flood damage and hazards.
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Avalanche warning service; use of the avalanche situation report for the Bavarian Alpine regionThe avalanche warning service includes measures that serve to warn the population of avalanche hazards and to inform authorities and private bodies in preparation for and during hazard prevention.
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Avalanche warning tasks; organization and coordination
The organization and coordination of the avalanche warning service is the responsibility of the safety and disaster control authorities (municipalities, district offices, district governments of Upper Bavaria and Swabia) with the cooperation of the Avalanche Warning Centre.
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Torrent and avalanche protection; implementation of structural protection measures
Torrents are dammed and avalanche protection measures are implemented to protect settlements and infrastructure facilities.
Status: 16.10.2024
Editorially responsible for prodecure description: Bayerisches Staatsministerium für Wirtschaft, Landesentwicklung und Energie
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