Understand the natural and climate risks affecting your property and prepare for the future with our risk assessments.
People in Croatia may experience increased risks from heat waves, heavy precipitation, strong winds and other hazards due to climate change over the next 30 years. These risks, through 2050 and beyond, may change depending on how much we reduce emissions in the near future.
Projected increase in average summer temperatures by 2050
Extremely hot days annually by 2050 (compared to 21 days in 1991-2000)
Projected increase in heavy rainfall events by 2050
Properties at risk of extreme weather events by 2050
These projections are based on the widely-accepted RCP4.5 climate scenario, which represents a moderate emissions pathway – with greenhouse gas emissions expected to peak around 2040 and then gradually decline, leading to stabilized concentrations by the end of the century. Our analysis uses advanced climate models, high-resolution satellite data, and machine learning algorithms to provide accurate predictions.
Croatia's diverse geography creates distinct climate risk profiles: coastal areas (Dalmatia, Istria) face rising sea levels and storm surge, while continental regions (Slavonia, Zagreb) experience more extreme temperature fluctuations and flash flooding. Our property-specific analysis accounts for these crucial regional differences.
CLIMATIG Score Risk Ratings measure the risk posed by a hazard on a 0-100 scale, based on historical conditions and future projections through 2050. While a lower score indicates reduced risk, it does not mean zero exposure - climate change has complex, interacting local and large-scale effects that impact everyone.
Heatwaves in Croatia are becoming increasingly frequent, prolonged, and intense due to climate change. Rising temperatures pose a growing threat to health, wellbeing, and overall quality of life, particularly among vulnerable populations.
Summer temperatures are expected to increase the most, with projections for the period 2041-2070 indicating a rise of approximately 3-3,5°C compared to the reference period (1961-1990). Since Croatia already experiences hot summers, this significantly increases the risk of heat-related impact on people, infrastructure and property.
When intensive rainfall occurs in a short period, water systems can be overwhelmed, leading to erosion and damaging floods. These events are particularly dangerous after prolonged drought periods when soil has reduced water absorption capacity.
At an annual level, a very small decrease in the mean annual precipitation is forecast until 2040, which will have no significant impact on the total annual volume. However, the duration and intensity of heavy precipitation events is still increasing in many Croatian cities.
Strong winds combined with drought conditions can cause dust storms in locations favorable for their development. They can cause irritation to respiratory tracts in vulnerable people and damage to property structures.
Many Croatian cities experience mean annual wind speeds of up to 7 m/s. While the rise in average wind speeds has not been shown for winter and spring, projections indicate that during summer and autumn, the average wind speed at 10 m may rise. Additionally, wind gusts in Croatia can reach up to 69 m/s, particularly in areas influenced by the bura wind. These events can cause significant damage to poorly constructed buildings and infrastructure.
Particularly concerning for properties along the Adriatic coast, rising sea levels combined with storm events can cause significant damage to coastal structures and lead to erosion of beaches and shorelines.
Properties near the Sava, Drava, or Danube rivers face increased risk as extreme precipitation events become more common, potentially overwhelming flood defense systems.
Especially relevant along the Adriatic coast during summer months, extended drought periods combined with high temperatures unfortunately create ideal conditions for devastating wildfires.
Some parts of inland Croatia and islands may face increased water scarcity, affecting property values, particularly for agricultural land and properties with water-intensive landscaping.
Croatia’s varied geography means these risks differ significantly between coastal and inland areas. Our analysis identifies locations with the highest risk levels.
Climate adaptation measures can help protect your property and investment from increasing climate risks.
As temperatures rise, protecting your property from heat becomes increasingly important.
Flooding from extreme rainfall events can cause significant property damage.
Strong winds can have devastating effects on poorly constructed buildings.
Climate risks are increasingly factored into property valuations and insurance premiums. Properties with high exposure to heat waves, flooding, or wind damage may face:
Having a detailed risk assessment helps you make informed decisions, negotiate better insurance terms, and implement targeted adaptation measures to protect your investment.
