| Denmark | Cy-Ff-Fl-Fr-H- Ls-Ss-SW | Optional for all except for seawater flood which is semi-compulsory. Policies can be stipulated as an extension of fire or basic insurance contracts (Eq/Fl) | Risk-based for earth-quake and storm, flat for floods | Deductible of the minimum 700 to a maximum of 1350?as for 2010 depending on extension of the housings (F). Depends on the policies (St/Eq) | The State by Storm Council supplies a guarantee if the charge collected by the insures are insufficient to cover the losses caused by seawater flood. | -- | -- | 90 | -- |
| Estonia | All, except Eq-Ls-VE | Optional | The price is free and risk-based |
| None | -- | -- | -- | -- |
| Finland | All, except Dr-Eq-Fr-VE-Ss- | Optional Storm risk is insured in most household content policies (St) | -- | -- | Prevention measures. Public funds were used to compensate losses caused by strong extreme events of the past. A recent law forbid the state to cover the losses | -- | 18 | 90 | -- |
| France | All
| Semi-compulsory extension of basic policies (fire, and all properties damage, including car policies) | The policy price is calculated on a flat rates fixed by the State and depending on typology of real estates | No compensation limits but deductibles. For property of domestic use 380? The deductibles may be increased depending on the number of claims over the years. (F, Eq, Dr) | The State founded the Caisse Centrale de Reinsurance to support the insurance companies to guarantee the natural risks (reinsurance). The Caisse offers to the private insurance market a flat reinsurances rate. The State guarantees with unlimited founds the financial capacity of the Caisse | 90 | 90 | 90 | -- |
| Germany | All, except Dr | Optional extension of home insurance. Recently a proposal for a compulsory flood insurance was rejected by a committee of experts assembled by Conference of German Finance Ministers (FMK) | The policy price is free and risk-based. There are 4 risk zones. | No standard deductibles (Eq, F, St) | Germany compensated the losses with public funds in the past. Now, the State does not refund the losses, but allocates easy-terms loans | 18 | 30 | 90 | -- |
| Greece | All, except Av-Dr | Optional extension of fire insurance contracts. There is a project to introduce a compulsory insurance against natural hazards | Risk-based (Flood and Storm) | Deductible min 10% loss (?00) (F, St) and 2% of the insured value (Eq) | Ex-post disaster relief | 5 | 5 | 5 | -- |