| Hungary | Fl-St | Owners pay a contribution to the Fund. It compensates the owners in case of losses (Fl). Storms are covered by every home policy | Based on property value | Reimbursement up to insured value. Deductibles depend on the policy. The mean value is 200 ?(St) | Fund for Flood and Inland Water Compen-sation is guaranteed by the state. The state has refund the losses in case of uninsured properties (St) | -- | -- | -- | -- |
| Iceland | Av-Eq-Fl-Ls-VE- | Semi-compulsory, extension of fire policy | Single premium | -- | A public-private partner-ship is active | -- | -- | -- | -- |
| Ireland | Eq-Fl-Fr-St | Optional. The household insurance contracts include the covering of damage caused by natural extreme events | Risk-based | -- | The State does not pay the compensation for damage to insurers | 90 | 90 | 90 | -- |
| Liechtenstein | All | If the building is localized in a site exposed to natural hazards, the insurance is mandatory. Private owners to avoid pay the premium should demonstrate that their home is not subject to any peril | The size of the premium is regulated by the state | -- | -- | -- | -- | -- | 100 |
| Luxembourg | H-Fl-St-SW | Optional extension of base or multi-peril properties insurance policies | The policy price is free and risk-based | -- | None | -- | 5 | 90 | -- |
| The Netherlands | All, Except Eq-VE-and major river flood | Eq and F risks are not insurable. Insure against storm is optional (extension of property damage) | The policy price is free and risk-based. 0.15% of the insured capital | Deductibles are 2% of insured capital (St) | Government refunds losses by the Calamities Compensation Act for uninsurable risks. Recently has been discussed a new flood insurance system as a public-private partnership | -- | -- | -- | >75 |
| Norway | Av-Cy-Eq- FF-Fl-Fr-H-Ls- St-VE | Semi-compulsory as an extension of fire policies | The policy price is based on a flat rate | -- | The State does not guarantee the losses | -- | -- | -- | >90 |
| Poland | Dr-Eq-Fl- Hl-Ls-St- SW | Optional (Eq-Fl-St) | The policy price is free and risk-based | -- | Public funds are used to compensate for damages and mitigate the risks (Eq-Fl-St) | -- | 50 | 90 | -- |