# Romania natural disaster insurance coverage > Live situation record from CLSTR: https://clstr.news/situations/romania-natural-disaster-insurance-coverage > Updated: 2026-09-03T18:54:35.000Z. Sources: 17. Developments: 2. Data regarding mandatory home insurance (PAD) in Romania shows varying coverage rates across different counties. As of late July 2026, Maramureș reported a coverage rate of 21.35%, while Cluj County reported 29%. Despite Cluj's higher rate, its large housing stock resulted in the third-highest number of uninsured properties in the country. By early September 2026, the Natural Disaster Insurance Pool (PADROM) reported a record 2.5 million active insurance policies. However, General Director Nicoleta Radu noted that approximately 7.5 million homes in Romania remain uninsured. Current data indicates that only about 24.9% of the country's 10.1 million homes are covered by the mandatory PAD system. Coverage rates vary significantly by settlement type: while 35% of homes in municipalities are insured, the rate drops to 24.7% in cities and only 15.3% in rural communes. Over 3.9 million uninsured homes are located in rural areas. Radu emphasized the need for a ‘perfect synergy’ between authorities, insurance companies, and citizens to improve national preparedness against earthquakes, floods, and landslides, particularly in light of the upcoming 50th anniversary of the 1977 earthquake. ## Timeline ### 2026-09-03: Romania distributes 500 lei educational support to 700,000 children Over 700,000 disadvantaged children in Romania have received 500 lei in educational support via electronic cards for the 2025–2026 school year, funded by European programs. 15 sources. https://clstr.news/cluster/padrom-reports-record-25-million-natural-disaster-insurance-policies-in-romania ### 2026-08-26: Romania housing insurance coverage varies by county Data shows Cluj County has a 29% mandatory home insurance coverage rate, while Maramureș ranks 17th nationally with 21.35% coverage, highlighting regional disparities in Romanian housing insurance. 2 sources. https://clstr.news/cluster/romania-housing-insurance-coverage-varies-by-county --- Cite as: Romania natural disaster insurance coverage. CLSTR, https://clstr.news/situations/romania-natural-disaster-insurance-coverage