According to Greenpeace, there was a steep increase in alerts: flood warnings nearly doubled in 2025 compared to 2019 (+93.5%), while storms remain the most common phenomenon, with over 4,000 alerts recorded in the past six years. Tornadoes, once a rarity, are also emerging more often, with three alerts issued in just the first seven months of 2025.
The impact of these events is already visible in the insurance market. Allianz-Tiriac Asigurări, one of Romania’s leading insurers, reported over 200 claims files following the devastating floods that struck Suceava, Botoșani, and Neamț counties at the end of July. Nearly half of them have already been settled, with payouts totaling around RON 1.5 million. The largest single indemnity exceeded RON 912,000, compensating a family in Broșteni whose home was completely destroyed by floodwaters.
“These figures highlight why insurance matters most in critical moments,” said Daniela Covăcescu, Director of Operations at Allianz-Tiriac, stressing that voluntary home policies provide full protection against a wide range of risks—from floods and storms to earthquakes and fires. Currently, almost 300,000 homes in Romania are covered by Allianz-Tiriac’s facultative home insurance.
Experts warn that the worsening climate crisis will continue to amplify the severity of extreme weather. “A warmer atmosphere retains more moisture and fuels stronger storms, which means larger hail, heavier rainfall, and more intense wind gusts,” explained Bogdan Antonescu, atmospheric physicist. Without investments in adaptation and protection, both social and economic costs will rise further, he added.
The combination of increasingly violent natural phenomena and rising claims volumes sends a clear signal: in a country exposed to floods, storms, and earthquakes, comprehensive insurance protection—through both mandatory PAD and voluntary home policies—has become essential for household resilience.
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