The above data resulted from a joint four-year research project of the German Insurance Association (GDV) and the German Weather Service (DWD), which has systematically investigated heavy rain and damage data for the first time.
Heavy rainfall caused a total of EUR 6.7 billion in damage in Germany, including non-insured losses and affecting in average 75 homes of 1,000, in a total number of events that exceeds 8,400. In Berlin (131 / 1000 affected) and in Bavaria (88 / 1000 affected), the heavy rainfall caused many full-blown cellars, undermined foundations and drenched walls.
In contrast to the continuous rain (over twelve hours) there is a rather even distribution over the whole of Germany of the short, heavy downpours (up to nine hours). According to the research results, it is precisely these short, heavy precipitation that cause a particularly high level of damage.
The highest average losses were seen in the district Rottal-Inn (EUR 49,290; 194.3 / 1,000 buildings affected), the city of Passau (EUR 11,862; 208.4 / 1,000 buildings affected) and the city of Munster (EUR 10,928; 393 / 1,000 buildings affected). Yet, "every place in Germany is almost equally threatened by such dangerous amounts of rain," the research findings show. In this context, according to GDV, only 43% of German homeowners have natural hazard insurance and are therefore protected against the effects of extreme rainfall.