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, drought, wildfires 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 fewer than 10 days in 1971-2000 in many regions)
Projected increase in the intensity and frequency of 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.
Spain’s varied geography results in distinct climate risk profiles across the country. Northern regions such as Galicia and the Basque Country are more prone to intense rainfall and river flooding, while southern and central areas like Andalusia and Castilla-La Mancha face increased risks from extreme heat, drought, and wildfires. Our property-specific analysis takes these important regional differences into account to provide accurate climate risk assessments.
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 Spain 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.
Southern and central regions, such as Andalusia, Extremadura, and Madrid, are particularly affected. According to climate projections, average summer temperatures in Spain could rise by approximately 2.5 to 4°C by 2070 compared to the 1961–1990 baseline. Given that much of Spain already experiences hot summers, this significantly increases the risk of heat-related impact on people, infrastructure and property.
Prolonged periods of low precipitation and high temperatures can lead to drought conditions, reducing soil moisture and water availability. This affects agricultural productivity, increases wildfire susceptibility, and may cause structural damage to buildings through ground shrinkage, particularly in clay-rich soils.
Spain is highly vulnerable to drought, especially in the southeast and interior regions. Climate models indicate a reduction in annual rainfall and an increase in the frequency and severity of dry periods by mid-century. The risk is particularly acute in regions like Murcia, Castilla-La Mancha, and Andalusia, where water scarcity is already a concern.
Wildfires are a growing concern across large parts of Spain. These events pose direct risks to properties, tourism infrastructure, and public safety, while also contributing to long-term land degradation.
Hotter, drier summers — particularly in regions like Catalonia, Valencia, and parts of Andalusia — are increasing the frequency and intensity of wildfires. Combined with rural depopulation, land abandonment, and fuel accumulation in forests, climate change is intensifying the conditions that allow wildfires to ignite and spread.
Particularly concerning for properties along the Spain's extensive coastline, especially in low-lying areas like the Ebro Delta, parts of the Mediterranean coast, and parts of the Atlantic coast (e.g. Doñana, Cádiz).
Important for areas near major rivers such as the Ebro, Guadalquivir, and Duero, which are prone to flash floods and seasonal flooding.
Strong winds such as La Tramontana in Catalonia or El Cierzo in the Ebro Valley are regional hazards. Storms, including Atlantic windstorms and Mediterranean squalls, can also cause damage to property and infrastructure.
Sudden, intense rainstorms (often in the Mediterranean autumn) lead to dangerous flash floods, especially in urban areas like Valencia, Murcia, and the Balearic Islands. These events are becoming more frequent and destructive.
Spain’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.
Drought adaptation measures for buildings focus on reducing water consumption, installing rainwater harvesting and recycling grey water.
Protection against wildfires relies on measures beyond the building’s influence, such as raising awareness of the cause of wildfires, early monitoring and control. However, adaptation measures can also be taken at the building level and should be considered if a risk is established.
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.
