洪水保險市場規模 - 按覆蓋範圍（住宅、商業）、配銷通路（直銷、代理商/經紀人）、保單提供者（國家洪水保險計劃 (NFIP)、私人洪水保險）和預測，2024 年 - 2032 年

在保險產品創新和洪水風險意識不斷增強的推動下，2024年至2032年全球洪水保險市場複合年成長率將達到14.5%。創新的解決方案，例如超額洪水覆蓋範圍，可以彌補現有政策的差距，並為各種財產類型提供量身定做的保護。此外，人們對洪水災害的認知不斷提高，導致更多的業主尋求全面的保險。隨著人們對潛在洪水風險的認知不斷提高，保險產品不斷發展以滿足這些需求，對洪水保險的需求將會上升，從而擴大行業規模並增加承保範圍。

例如，2024 年 2 月，Neptune Flood 推出了針對住宅、商業和公寓物業的超額洪水保險產品，提供超出國家洪水保險計劃 (NFIP) 限額的保險，同時允許客戶保留其 NFIP 保單。這一發展表明，隨著業主尋求更高水準的保護，額外洪水保險選擇的市場不斷擴大。此舉凸顯了向更客製化的保險解決方案的轉變，以應對不斷變化的洪水風險和客戶需求。

洪水保險業根據承保範圍、配銷通路、保單提供者和地區進行分類。

由於代理人/經紀人在促進獲得洪水保險產品和為客戶提供建議方面發揮關鍵作用，到 2032 年，代理人/經紀人細分市場將顯著改善。這些中介機構提供個人化服務，利用其專業知識為客戶提供來自不同保險公司的合適核保選項。他們廣泛的網路和市場知識使他們能夠駕馭複雜的保險政策並確保全面的保護。此外，隨著洪水風險的增加和保險需求變得更加複雜，代理商和經紀人對專業指導的需求將繼續擴大他們的市場範圍。

在全面的聯邦支持和廣泛的覆蓋範圍的推動下，國家洪水保險計劃 (NFIP) 部分將在 2024 年至 2032 年間顯著成長。 NFIP 旨在提供負擔得起的洪水保險，服務於廣泛的財產，包括高風險洪水區的財產。其廣泛的參與社區網路和標準化的覆蓋選項使其成為許多業主的首選。此外，人們對洪水風險和監管要求的認知不斷提高，將進一步提升 NFIP 在產業中的主導地位。

由於洪水易發地區的高人口密度和嚴格的監管框架，歐洲洪水保險市場將在 2024 年至 2032 年期間獲得相當大的佔有率。該地區透過全面的保險政策和政府支持的舉措積極主動地管理洪水風險，凸顯了其對保護資產和基礎設施的承諾。人們對氣候變遷影響的認知不斷提高，防洪措施得到加強，進一步增加了對洪水保險的需求。歐洲強大的保險基礎設施和監管環境使其成為全球產業的重要貢獻者。

目錄

第 1 章：方法與範圍

第 2 章：執行摘要

第 3 章：產業洞察

• 產業生態系統分析
• 供應商格局
  • 保險提供者
  • 技術提供者
  • 顧問公司
  • 最終用戶
• 利潤率分析
• 技術與創新格局
• 專利分析
• 重要新聞和舉措
• 監管環境
• 衝擊力
  • 成長動力
    • 氣候變遷增加了洪水頻率和嚴重程度
    • 都市化擴大了洪水易發地區，刺激了需求
    • 政府指令推動保險範圍要求
    • 技術進步提高洪水風險評估的準確性
  • 產業陷阱與挑戰
    • 氣候變遷的不確定性使長期風險預測變得複雜
    • 高風險地區面臨負擔能力挑戰，限制了吸收
• 成長潛力分析
• 波特的分析
• PESTEL分析

第 4 章：競爭格局

• 介紹
• 公司市佔率分析
• 競爭定位矩陣
• 戰略展望矩陣

第 5 章：市場估計與預測：按覆蓋範圍 2021 - 2032

• 主要趨勢
• 住宅洪水保險
• 商業洪水保險

第 6 章：市場估計與預測：依配銷通路分類，2021 - 2032 年

• 主要趨勢
• 直銷
• 代理商/經紀人

第 7 章：市場估計與預測：按政策提供者分類，2021 - 2032 年

• 主要趨勢
• 國家洪水保險計劃 (NFIP)
• 私人洪水保險

第 8 章：市場估計與預測：按地區，2021 - 2032

• 主要趨勢
• 北美洲
  • 美國
  • 加拿大
• 歐洲
  • 英國
  • 德國
  • 法國
  • 義大利
  • 西班牙
  • 俄羅斯
  • 北歐人
  • 歐洲其他地區
• 亞太地區
  • 中國
  • 印度
  • 日本
  • 澳洲
  • 韓國
  • 東南亞
  • 亞太地區其他地區
• 拉丁美洲
  • 巴西
  • 墨西哥
  • 阿根廷
  • 拉丁美洲其他地區
• MEA
  • 阿拉伯聯合大公國
  • 南非
  • 沙烏地阿拉伯
  • MEA 的其餘部分

第 9 章：公司簡介

• Allianz SE
• Allstate Corporation
• Assicurazioni Generali S.p.A.
• Assurant, Inc.
• Aviva plc
• AXA SA
• Chubb Limited
• Liberty Mutual Insurance Group
• Lloyd's of London (Lloyd's)
• Mapfre S.A.
• MS&AD Insurance Group Holdings, Inc.
• Munich Reinsurance Company
• Nationwide Mutual Insurance Company
• SCOR SE
• Sompo Holdings, Inc.
• Swiss Re Group
• The Travelers Companies, Inc.
• Tokio Marine Holdings, Inc.
• USAA Insurance Agency
• Zurich Insurance Group AG

Global Flood Insurance Market will garner a 14.5% CAGR from 2024 to 2032, fueled by insurance product innovation and growing awareness of flood risks. Innovative solutions, such as excess flood coverage, address gaps in existing policies and offer tailored protection for various property types. Also, a heightened awareness of flood hazards leads more property owners to seek comprehensive coverage. As awareness of potential flood risks increases and insurance products evolve to meet these needs, demand for flood insurance will rise, expanding the industry and enhancing coverage options.

For instance, in February 2024, Neptune Flood introduced an excess flood insurance product for residential, commercial, and condominium properties, offering coverage beyond the National Flood Insurance Program (NFIP) limits while allowing customers to retain their NFIP policies. This development suggests an expanding market for additional flood insurance options as property owners seek higher levels of protection. This move highlights a shift towards more customized insurance solutions in response to evolving flood risks and customer needs.

The flood insurance industry is classified based on coverage, distribution channel, policy provider, and region.

The agents/brokers segment will encounter a marked upturn through 2032 due to their pivotal role in facilitating access to flood insurance products and advising clients. These intermediaries offer personalized service, leveraging their expertise to match clients with suitable coverage options from various insurers. Their extensive network and market knowledge enable them to navigate complex insurance policies and ensure comprehensive protection. Also, as flood risks increase and insurance needs become more sophisticated, the demand for professional guidance from agents and brokers will continue to drive their market reach.

The National Flood Insurance Program (NFIP) segment will observe a noteworthy surge between 2024 and 2032, driven by its comprehensive federal backing and wide reach. Established to provide affordable flood coverage, NFIP caters to a broad range of properties, including those in high-risk flood zones. Its extensive network of participating communities and standardization of coverage options make it a preferred choice for many property owners. Additionally, increasing awareness of flood risks and regulatory requirements will further drive the NFIP's dominant position in the industry.

Europe flood insurance market will achieve a decent share from 2024 to 2032, attributed to high population density in flood-prone areas and stringent regulatory frameworks. The region's proactive approach to managing flood risks through comprehensive insurance policies and government-backed initiatives underscores its commitment to protecting assets and infrastructure. Increased awareness of climate change impacts and enhanced flood prevention measures further bolster demand for flood insurance. Europe's robust insurance infrastructure and regulatory environment position it as a significant contributor to the global industry.

Table of Contents

Chapter 1 Methodology & Scope

• 1.1 Market scope & definition
• 1.2 Research design
  • 1.2.1 Research approach
  • 1.2.2 Data collection methods
• 1.3 Base estimates & calculations
  • 1.3.1 Base year calculation
  • 1.3.2 Key trends for market estimation
• 1.4 Forecast model
• 1.5 Primary research and validation
  • 1.5.1 Primary sources
  • 1.5.2 Data mining sources

Chapter 2 Executive Summary

• 2.1 Industry 360° synopsis, 2021 - 2032

Chapter 3 Industry Insights

• 3.1 Industry ecosystem analysis
• 3.2 Supplier landscape
  • 3.2.1 Insurance provider
  • 3.2.2 Technology provider
  • 3.2.3 Consulting firms
  • 3.2.4 End user
• 3.3 Profit margin analysis
• 3.4 Technology & innovation landscape
• 3.5 Patent analysis
• 3.6 Key news & initiatives
• 3.7 Regulatory landscape
• 3.8 Impact forces
  • 3.8.1 Growth drivers
    • 3.8.1.1 Climate change increases flood frequency and severity
    • 3.8.1.2 Urbanization expands flood-prone areas, boosting demand
    • 3.8.1.3 Government mandates drive insurance coverage requirements
    • 3.8.1.4 Technological advancements enhance flood risk assessment accuracy
  • 3.8.2 Industry pitfalls & challenges
    • 3.8.2.1 Climate change uncertainty complicates long-term risk forecasting
    • 3.8.2.2 High-risk areas face affordability challenges, limiting uptake
• 3.9 Growth potential analysis
• 3.10 Porter's analysis
  • 3.10.1 Supplier power
  • 3.10.2 Buyer power
  • 3.10.3 Threat of new entrants
  • 3.10.4 Threat of substitutes
  • 3.10.5 Industry rivalry
• 3.11 PESTEL analysis

Chapter 4 Competitive Landscape, 2023

• 4.1 Introduction
• 4.2 Company market share analysis
• 4.3 Competitive positioning matrix
• 4.4 Strategic outlook matrix

Chapter 5 Market Estimates & Forecast, By Coverage 2021 - 2032 ($Bn)

• 5.1 Key trends
• 5.2 Residential flood insurance
• 5.3 Commercial flood insurance

Chapter 6 Market Estimates & Forecast, By Distribution Channel, 2021 - 2032 ($Bn)

• 6.1 Key trends
• 6.2 Direct sales
• 6.3 Agents/brokers

Chapter 7 Market Estimates & Forecast, By Policy Provider, 2021 - 2032 ($Bn)

• 7.1 Key trends
• 7.2 National flood insurance program (NFIP)
• 7.3 Private flood insurance

Chapter 8 Market Estimates & Forecast, By Region, 2021 - 2032 ($Bn)

• 8.1 Key trends
• 8.2 North America
  • 8.2.1 U.S.
  • 8.2.2 Canada
• 8.3 Europe
  • 8.3.1 UK
  • 8.3.2 Germany
  • 8.3.3 France
  • 8.3.4 Italy
  • 8.3.5 Spain
  • 8.3.6 Russia
  • 8.3.7 Nordics
  • 8.3.8 Rest of Europe
• 8.4 Asia Pacific
  • 8.4.1 China
  • 8.4.2 India
  • 8.4.3 Japan
  • 8.4.4 Australia
  • 8.4.5 South Korea
  • 8.4.6 Southeast Asia
  • 8.4.7 Rest of Asia Pacific
• 8.5 Latin America
  • 8.5.1 Brazil
  • 8.5.2 Mexico
  • 8.5.3 Argentina
  • 8.5.4 Rest of Latin America
• 8.6 MEA
  • 8.6.1 UAE
  • 8.6.2 South Africa
  • 8.6.3 Saudi Arabia
  • 8.6.4 Rest of MEA

Chapter 9 Company Profiles

• 9.1 Allianz SE
• 9.2 Allstate Corporation
• 9.3 Assicurazioni Generali S.p.A.
• 9.4 Assurant, Inc.
• 9.5 Aviva plc
• 9.6 AXA SA
• 9.7 Chubb Limited
• 9.8 Liberty Mutual Insurance Group
• 9.9 Lloyd's of London (Lloyd's)
• 9.10 Mapfre S.A.
• 9.11 MS&AD Insurance Group Holdings, Inc.
• 9.12 Munich Reinsurance Company
• 9.13 Nationwide Mutual Insurance Company
• 9.14 SCOR SE
• 9.15 Sompo Holdings, Inc.
• 9.16 Swiss Re Group
• 9.17 The Travelers Companies, Inc.
• 9.18 Tokio Marine Holdings, Inc.
• 9.19 USAA Insurance Agency
• 9.20 Zurich Insurance Group AG