洪水保险市场规模 - 按覆盖范围（住宅、商业）、配销通路（直销、代理商/经纪人）、保单提供者（国家洪水保险计划 (NFIP)、私人洪水保险）和预测，2024 年 - 2032 年

在保险产品创新和洪水风险意识不断增强的推动下，2024年至2032年全球洪水保险市场复合年增长率将达到14.5%。创新的解决方案，例如超额洪水覆盖范围，可以弥补现有政策的差距，并为各种财产类型提供量身定制的保护。此外，人们对洪水灾害的认识不断提高，导致更多的业主寻求全面的保险。随着人们对潜在洪水风险的认识不断提高，保险产品不断发展以满足这些需求，对洪水保险的需求将会上升，从而扩大行业规模并增加承保范围。

例如，2024 年 2 月，Neptune Flood 推出了针对住宅、商业和公寓物业的超额洪水保险产品，提供超出国家洪水保险计划 (NFIP) 限额的保险，同时允许客户保留其 NFIP 保单。这一发展表明，随着业主寻求更高水准的保护，额外洪水保险选择的市场不断扩大。此举凸显了向更客製化的保险解决方案的转变，以应对不断变化的洪水风险和客户需求。

洪水保险业根据承保范围、配销通路、保单提供者和地区进行分类。

由于代理人/经纪人在促进获得洪水保险产品和为客户提供建议方面发挥关键作用，到 2032 年，代理人/经纪人细分市场将显着改善。这些中介机构提供个人化服务，利用其专业知识为客户提供来自不同保险公司的合适核保选项。他们广泛的网络和市场知识使他们能够驾驭复杂的保险政策并确保全面的保护。此外，随着洪水风险的增加和保险需求变得更加复杂，代理商和经纪人对专业指导的需求将继续扩大他们的市场范围。

在全面的联邦支持和广泛的覆盖范围的推动下，国家洪水保险计划 (NFIP) 部分将在 2024 年至 2032 年间显着增长。 NFIP 旨在提供负担得起的洪水保险，服务于广泛的财产，包括高风险洪水区的财产。其广泛的参与社区网络和标准化的覆盖选项使其成为许多业主的首选。此外，人们对洪水风险和监管要求的认识不断提高，将进一步提升 NFIP 在产业中的主导地位。

由于洪水易发地区的高人口密度和严格的监管框架，欧洲洪水保险市场将在 2024 年至 2032 年期间获得相当大的份额。该地区透过全面的保险政策和政府支持的倡议积极主动地管理洪水风险，凸显了其对保护资产和基础设施的承诺。人们对气候变迁影响的认识不断提高，防洪措施得到加强，进一步增加了对洪水保险的需求。欧洲强大的保险基础设施和监管环境使其成为全球产业的重要贡献者。

目录

第 1 章：方法与范围

第 2 章：执行摘要

第 3 章：产业洞察

• 产业生态系统分析
• 供应商格局
  • 保险提供者
  • 技术提供者
  • 顾问公司
  • 最终用户
• 利润率分析
• 技术与创新格局
• 专利分析
• 重要新闻和倡议
• 监管环境
• 衝击力
  • 成长动力
    • 气候变迁增加了洪水频率和严重程度
    • 都市化扩大了洪水易发地区，刺激了需求
    • 政府指令推动保险范围要求
    • 技术进步提高洪水风险评估的准确性
  • 产业陷阱与挑战
    • 气候变迁的不确定性使长期风险预测变得复杂
    • 高风险地区面临负担能力挑战，限制了吸收
• 成长潜力分析
• 波特的分析
• PESTEL分析

第 4 章：竞争格局

• 介绍
• 公司市占率分析
• 竞争定位矩阵
• 战略展望矩阵

第 5 章：市场估计与预测：按覆盖范围 2021 - 2032

• 主要趋势
• 住宅洪水保险
• 商业洪水保险

第 6 章：市场估计与预测：依配销通路划分，2021 - 2032 年

• 主要趋势
• 直销
• 代理商/经纪人

第 7 章：市场估计与预测：按政策提供者划分，2021 - 2032 年

• 主要趋势
• 国家洪水保险计划 (NFIP)
• 私人洪水保险

第 8 章：市场估计与预测：按地区，2021 - 2032

• 主要趋势
• 北美洲
  • 我们
  • 加拿大
• 欧洲
  • 英国
  • 德国
  • 法国
  • 义大利
  • 西班牙
  • 俄罗斯
  • 北欧人
  • 欧洲其他地区
• 亚太地区
  • 中国
  • 印度
  • 日本
  • 澳洲
  • 韩国
  • 东南亚
  • 亚太地区其他地区
• 拉丁美洲
  • 巴西
  • 墨西哥
  • 阿根廷
  • 拉丁美洲其他地区
• MEA
  • 阿联酋
  • 南非
  • 沙乌地阿拉伯
  • MEA 的其余部分

第 9 章：公司简介

• 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