Croatia

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Flag



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Location map
author: OCHA/ ReliefWeb


Location:
- Southeastern Europe, bordering the Adriatic Sea;
- Neighbours: Slovenia, Hungary, Serbia, Bosnia and Herzegovina, Montenegro.

Climate:
- Mediterranean and continental;
- continental climate predominant with hot summers and cold winters;
- mild winters, dry summers along coast.

Natural hazards:
- destructive earthquakes.

Macro indicators
* 2018 estimates
Surface:56,594km2
Population*:4.1million
Pop. density*:72.4people/km2
GDP*:51.4EUR billion
GDP/capita*:12,541.8EUR

European Union:
EU member, since 2013

Currency: Kuna
Code: HRK
Since: 1994


Insurance market portfolio
* 2018 estimates
TOTAL LIFE*:32%
TOTAL NON-LIFE*:68%
Overall Property*:14%
Overall Motor*:33%


Sources:




 

CROATIA: Judicial Experts Congress to address AI, risk assessment and complex claims

The 9th Congress of Judicial Experts of the Republic of Croatia will take place on October 2-3, 2026, at the Westin Hotel in Zagreb, bringing together more than 1,000 participants and over 60 speakers to discuss the growing role of expert assessment in judicial proceedings and a wide range of economic, technological and risk-related issues.












STATISTICS: CROATIA 1Q2026: Positive evolution in line with the previous year’s trends

According to data provided by the Croatian Financial Services Supervisory Agency (HANFA), the 14 insurance companies operating on the market reported total premium collected in Q1 2025 of EUR 533.74 million (8.27% up y-o-y), of which EUR 84.17 million (9.54% up y-o-y) related to life insurance premium and EUR 449.57 million (+8.03% y-o-y) to non-life insurance premium.





CROATIA: Rising property values expose the country’s underinsurance gap

A surge in construction costs has sharply increased residential property values in Croatia, while much of the housing stock remains underinsured. Institute IGH data show average building costs rose by around 50% between 2019 and 2024, lifting benchmark values used to set insured sums.