AXA’s ClimAgir: Proactive Climate Risk Management for Policyholders

As climate change intensifies, leading insurers are increasingly focused on not only responding to extreme weather events but also proactively protecting their customers. AXA France’s ClimAgir system exemplifies this shift, offering a comprehensive approach to climate risk management that spans prevention, rapid response, and sustainable rebuilding. This initiative aims to bolster support for policyholders facing the growing threat of climate-related disasters.

The Rising Threat of Climate Risks

According to France’s General Commission for Sustainable Development, 60% of French residents live in areas already exposed to climate risks such as storms, landslides, and floods, which affect 64% of municipalities. These episodes have become four times more frequent in the last 20 years, impacting all regions of France, from the severe storms Alex in the Southeast to Ciaran and Domingos in the Northwest, and devastating floods in the North-Pas-de-Calais and Burgundy.

ClimAgir: A Multi-Faceted Approach

ClimAgir is designed to address these escalating risks through a three-pronged strategy:

Prevention and Information

AXA France provides 24-hour weather monitoring and issues alerts and preventative recommendations to policyholders before natural events occur. In February 2026, nearly 900,000 SMS messages were sent to policyholders along the Atlantic Coast, in Languedoc, and Corsica, advising them on necessary precautions.

Crisis Response

When large-scale natural events happen, AXA France activates a national crisis unit to coordinate efforts and ensure a swift response. This unit manages assistance to victims and claims processing, working closely with AXA’s network of agents, experts, garages, and artisans. The goal is to provide personalized aid to affected policyholders as quickly as possible.

Sustainable Rebuilding with the “Green Guarantee”

AXA France’s “Green Guarantee,” initially piloted in 2021, is now available to all 3.4 million individual homeowners with AXA France home insurance policies. This guarantee co-finances up to 50% of the additional cost of replacing damaged property with more sustainable solutions, such as improved thermal insulation, renewable energy heating systems, and photovoltaic panels.

AXA’s Broader Climate Adaptation Efforts

ClimAgir is part of a wider commitment by AXA to address climate change. AXA Climate, an AXA Group entity, provides insurance, training, consulting, and software solutions to help private and public entities adapt to climate and environmental challenges. AXA Climate offers swift financial recovery after climate-related disasters, particularly in the agricultural sector, and is involved in research and development initiatives like the “Initiative Sécheresse” program, in collaboration with France Assureurs, CCR, and the MRN, to address the risks associated with soil movement.

Looking Ahead

AXA’s ClimAgir system represents a proactive approach to climate risk management, prioritizing both immediate support for policyholders and long-term resilience through sustainable rebuilding. As climate risks continue to escalate, such initiatives will become increasingly vital for insurers and their customers alike. The company’s broader investments in climate adaptation, including parametric insurance and data-driven solutions, demonstrate a commitment to building a more sustainable future.