# Romania natural disaster risks and insurance coverage > Live situation record from CLSTR: https://clstr.news/situations/romania-natural-disaster-risks-and-insurance-coverage > Updated: 2026-09-17T00:00:00.000Z. Sources: 10. Developments: 2. In Romania, mandatory natural disaster insurance (PAD) coverage reached approximately 24.90% by July 2026, with roughly 2.5 million active policies. While coverage is highest in urban areas and specific regions like Transylvania and Bucharest, over 7.6 million homes remain without mandatory insurance against risks such as earthquakes, floods, and landslides. Environmental pressures have intensified, with the Maramureș region experiencing an unprecedented drought. Gabriel Zetea, president of the Maramureș County Council, reported a 90% decrease in precipitation over the past year, causing historical mountain springs to dry up. Officials have warned that the transition from drought to intense rainfall poses significant risks to communities. In response to these rising environmental risks, the Financial Supervisory Authority has emphasized the necessity of adequate home insurance. However, voluntary coverage remains low across the country, with only about 17% of homes protected. ## Timeline ### 2026-09-17: Maramureș faces unprecedented drought and rising natural disaster risks Maramureș faces an unprecedented drought with a 90% drop in rainfall, prompting warnings about natural disaster risks and the need for better home insurance coverage in Romania. 2 sources. https://clstr.news/cluster/maramure-faces-unprecedented-drought-and-rising-natural-disaster-risks ### 2026-09-06: Romania natural disaster insurance coverage reaches 24.9% Romania's mandatory natural disaster insurance coverage reached 24.90% in July 2026, with 2.5 million active policies. While Chiajna leads in coverage, Dodești has the lowest rate at 1.39%. 8 sources. https://clstr.news/cluster/romania-natural-disaster-insurance-coverage-reaches-249 --- Cite as: Romania natural disaster risks and insurance coverage. CLSTR, https://clstr.news/situations/romania-natural-disaster-risks-and-insurance-coverage