[REVISION HISTORY]

Romania natural disaster insurance coverage

Updated 1 time since CLSTR started tracking revisions of this situation.

What changed

2026-09-03 19:22 UTC → 2026-09-03 20:45 UTC · added ~~removed~~

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, ~~PADROM general director~~ 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 ~~highlighted~~ emphasized the need for ~~cooperation~~ a ‘perfect synergy’ between authorities, insurance companies, and citizens to improve ~~disaster preparedness,~~ national preparedness against earthquakes, floods, and landslides, particularly in light of the upcoming 50th anniversary of the 1977 earthquake.

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