세계의 홍수 보험 : 시장 점유율과 순위, 전체 판매량 및 수요 예측(2025-2031년)

The global market for Flood Insurance was estimated to be worth US$ 16472 million in 2024 and is forecast to a readjusted size of US$ 35029 million by 2031 with a CAGR of 10.9% during the forecast period 2025-2031.

Flood insurance is a type of property insurance that covers losses and damages caused by flooding, typically due to heavy rainfall, storm surges, overflowing rivers, or rapid snowmelt. It is usually not included in standard homeowner or commercial property insurance policies and must be purchased separately, either through government-backed programs or private insurers. Downstream applications include residential property protection, commercial real estate risk management, mortgage lending compliance, municipal infrastructure planning, and agricultural risk mitigation.

The flood insurance market is shaped by increasing climate volatility, rising sea levels, and the growing frequency and intensity of extreme weather events. Governments in many regions, such as the United States through the National Flood Insurance Program (NFIP), play a central role in providing coverage and managing underwriting risks. However, private insurers are expanding their presence, especially in high-risk areas where public programs face limitations or budgetary constraints. The market is also being influenced by advancements in risk modeling, geospatial analytics, and satellite imaging, which improve the accuracy of flood risk assessment and premium pricing.

In developed economies, flood insurance is often mandated for properties in designated flood zones, especially when mortgages are involved. Meanwhile, in emerging markets, awareness and adoption remain low, despite increasing vulnerability to flood events. This presents opportunities for insurance providers, reinsurers, and insurtech companies to develop tailored, data-driven solutions. Additionally, public-private partnerships are emerging as a critical strategy for expanding coverage and building resilience. As climate change accelerates, the flood insurance market is expected to grow steadily, becoming an essential tool in climate adaptation and disaster recovery planning.

This report aims to provide a comprehensive presentation of the global market for Flood Insurance, focusing on the total sales revenue, key companies market share and ranking, together with an analysis of Flood Insurance by region & country, by Type, and by Application.

The Flood Insurance market size, estimations, and forecasts are provided in terms of sales revenue ($ millions), considering 2024 as the base year, with history and forecast data for the period from 2020 to 2031. With both quantitative and qualitative analysis, to help readers develop business/growth strategies, assess the market competitive situation, analyze their position in the current marketplace, and make informed business decisions regarding Flood Insurance.

Market Segmentation

By Company

• Allianz
• Zurich
• Allstate
• Tokio Marine
• Assurant
• Chubb
• PICC
• Sompo Japan Nipponkoa
• CPIC
• PingAn
• Sunshine
• Berkshire Hathaway
• Suncorp
• Progressive
• American Strategic

Segment by Type

• Life Insurance
• Non-Life Insurance

Segment by Application

• Commercial
• Residential
• Others

By Region

• North America
  • United States
  • Canada
• Asia-Pacific
  • China
  • Japan
  • South Korea
  • Southeast Asia
  • India
  • Australia
  • Rest of Asia-Pacific
• Europe
  • Germany
  • France
  • U.K.
  • Italy
  • Netherlands
  • Nordic Countries
  • Rest of Europe
• Latin America
  • Mexico
  • Brazil
  • Rest of Latin America
• Middle East & Africa
  • Turkey
  • Saudi Arabia
  • UAE
  • Rest of MEA

Chapter Outline

Chapter 1: Introduces the report scope of the report, global total market size. This chapter also provides the market dynamics, latest developments of the market, the driving factors and restrictive factors of the market, the challenges and risks faced by manufacturers in the industry, and the analysis of relevant policies in the industry.

Chapter 2: Detailed analysis of Flood Insurance company competitive landscape, revenue market share, latest development plan, merger, and acquisition information, etc.

Chapter 3: Provides the analysis of various market segments by Type, covering the market size and development potential of each market segment, to help readers find the blue ocean market in different market segments.

Chapter 4: Provides the analysis of various market segments by Application, covering the market size and development potential of each market segment, to help readers find the blue ocean market in different downstream markets.

Chapter 5: Revenue of Flood Insurance in regional level. It provides a quantitative analysis of the market size and development potential of each region and introduces the market development, future development prospects, market space, and market size of each country in the world.

Chapter 6: Revenue of Flood Insurance in country level. It provides sigmate data by Type, and by Application for each country/region.

Chapter 7: Provides profiles of key players, introducing the basic situation of the main companies in the market in detail, including product revenue, gross margin, product introduction, recent development, etc.

Chapter 8: Analysis of industrial chain, including the upstream and downstream of the industry.

Chapter 9: Conclusion.

Table of Contents

1 Market Overview

• 1.1 Flood Insurance Product Introduction
• 1.2 Global Flood Insurance Market Size Forecast (2020-2031)
• 1.3 Flood Insurance Market Trends & Drivers
  • 1.3.1 Flood Insurance Industry Trends
  • 1.3.2 Flood Insurance Market Drivers & Opportunity
  • 1.3.3 Flood Insurance Market Challenges
  • 1.3.4 Flood Insurance Market Restraints
• 1.4 Assumptions and Limitations
• 1.5 Study Objectives
• 1.6 Years Considered

2 Competitive Analysis by Company

• 2.1 Global Flood Insurance Players Revenue Ranking (2024)
• 2.2 Global Flood Insurance Revenue by Company (2020-2025)
• 2.3 Key Companies Flood Insurance Manufacturing Base Distribution and Headquarters
• 2.4 Key Companies Flood Insurance Product Offered
• 2.5 Key Companies Time to Begin Mass Production of Flood Insurance
• 2.6 Flood Insurance Market Competitive Analysis
  • 2.6.1 Flood Insurance Market Concentration Rate (2020-2025)
  • 2.6.2 Global 5 and 10 Largest Companies by Flood Insurance Revenue in 2024
  • 2.6.3 Global Top Companies by Company Type (Tier 1, Tier 2, and Tier 3) & (based on the Revenue in Flood Insurance as of 2024)
• 2.7 Mergers & Acquisitions, Expansion

3 Segmentation by Type

• 3.1 Introduction by Type
  • 3.1.1 Life Insurance
  • 3.1.2 Non-Life Insurance
• 3.2 Global Flood Insurance Sales Value by Type
  • 3.2.1 Global Flood Insurance Sales Value by Type (2020 VS 2024 VS 2031)
  • 3.2.2 Global Flood Insurance Sales Value, by Type (2020-2031)
  • 3.2.3 Global Flood Insurance Sales Value, by Type (%) (2020-2031)

4 Segmentation by Application

• 4.1 Introduction by Application
  • 4.1.1 Commercial
  • 4.1.2 Residential
  • 4.1.3 Others
• 4.2 Global Flood Insurance Sales Value by Application
  • 4.2.1 Global Flood Insurance Sales Value by Application (2020 VS 2024 VS 2031)
  • 4.2.2 Global Flood Insurance Sales Value, by Application (2020-2031)
  • 4.2.3 Global Flood Insurance Sales Value, by Application (%) (2020-2031)

5 Segmentation by Region

• 5.1 Global Flood Insurance Sales Value by Region
  • 5.1.1 Global Flood Insurance Sales Value by Region: 2020 VS 2024 VS 2031
  • 5.1.2 Global Flood Insurance Sales Value by Region (2020-2025)
  • 5.1.3 Global Flood Insurance Sales Value by Region (2026-2031)
  • 5.1.4 Global Flood Insurance Sales Value by Region (%), (2020-2031)
• 5.2 North America
  • 5.2.1 North America Flood Insurance Sales Value, 2020-2031
  • 5.2.2 North America Flood Insurance Sales Value by Country (%), 2024 VS 2031
• 5.3 Europe
  • 5.3.1 Europe Flood Insurance Sales Value, 2020-2031
  • 5.3.2 Europe Flood Insurance Sales Value by Country (%), 2024 VS 2031
• 5.4 Asia Pacific
  • 5.4.1 Asia Pacific Flood Insurance Sales Value, 2020-2031
  • 5.4.2 Asia Pacific Flood Insurance Sales Value by Region (%), 2024 VS 2031
• 5.5 South America
  • 5.5.1 South America Flood Insurance Sales Value, 2020-2031
  • 5.5.2 South America Flood Insurance Sales Value by Country (%), 2024 VS 2031
• 5.6 Middle East & Africa
  • 5.6.1 Middle East & Africa Flood Insurance Sales Value, 2020-2031
  • 5.6.2 Middle East & Africa Flood Insurance Sales Value by Country (%), 2024 VS 2031

6 Segmentation by Key Countries/Regions

• 6.1 Key Countries/Regions Flood Insurance Sales Value Growth Trends, 2020 VS 2024 VS 2031
• 6.2 Key Countries/Regions Flood Insurance Sales Value, 2020-2031
• 6.3 United States
  • 6.3.1 United States Flood Insurance Sales Value, 2020-2031
  • 6.3.2 United States Flood Insurance Sales Value by Type (%), 2024 VS 2031
  • 6.3.3 United States Flood Insurance Sales Value by Application, 2024 VS 2031
• 6.4 Europe
  • 6.4.1 Europe Flood Insurance Sales Value, 2020-2031
  • 6.4.2 Europe Flood Insurance Sales Value by Type (%), 2024 VS 2031
  • 6.4.3 Europe Flood Insurance Sales Value by Application, 2024 VS 2031
• 6.5 China
  • 6.5.1 China Flood Insurance Sales Value, 2020-2031
  • 6.5.2 China Flood Insurance Sales Value by Type (%), 2024 VS 2031
  • 6.5.3 China Flood Insurance Sales Value by Application, 2024 VS 2031
• 6.6 Japan
  • 6.6.1 Japan Flood Insurance Sales Value, 2020-2031
  • 6.6.2 Japan Flood Insurance Sales Value by Type (%), 2024 VS 2031
  • 6.6.3 Japan Flood Insurance Sales Value by Application, 2024 VS 2031
• 6.7 South Korea
  • 6.7.1 South Korea Flood Insurance Sales Value, 2020-2031
  • 6.7.2 South Korea Flood Insurance Sales Value by Type (%), 2024 VS 2031
  • 6.7.3 South Korea Flood Insurance Sales Value by Application, 2024 VS 2031
• 6.8 Southeast Asia
  • 6.8.1 Southeast Asia Flood Insurance Sales Value, 2020-2031
  • 6.8.2 Southeast Asia Flood Insurance Sales Value by Type (%), 2024 VS 2031
  • 6.8.3 Southeast Asia Flood Insurance Sales Value by Application, 2024 VS 2031
• 6.9 India
  • 6.9.1 India Flood Insurance Sales Value, 2020-2031
  • 6.9.2 India Flood Insurance Sales Value by Type (%), 2024 VS 2031
  • 6.9.3 India Flood Insurance Sales Value by Application, 2024 VS 2031

7 Company Profiles

• 7.1 Allianz
  • 7.1.1 Allianz Profile
  • 7.1.2 Allianz Main Business
  • 7.1.3 Allianz Flood Insurance Products, Services and Solutions
  • 7.1.4 Allianz Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.1.5 Allianz Recent Developments
• 7.2 Zurich
  • 7.2.1 Zurich Profile
  • 7.2.2 Zurich Main Business
  • 7.2.3 Zurich Flood Insurance Products, Services and Solutions
  • 7.2.4 Zurich Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.2.5 Zurich Recent Developments
• 7.3 Allstate
  • 7.3.1 Allstate Profile
  • 7.3.2 Allstate Main Business
  • 7.3.3 Allstate Flood Insurance Products, Services and Solutions
  • 7.3.4 Allstate Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.3.5 Allstate Recent Developments
• 7.4 Tokio Marine
  • 7.4.1 Tokio Marine Profile
  • 7.4.2 Tokio Marine Main Business
  • 7.4.3 Tokio Marine Flood Insurance Products, Services and Solutions
  • 7.4.4 Tokio Marine Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.4.5 Tokio Marine Recent Developments
• 7.5 Assurant
  • 7.5.1 Assurant Profile
  • 7.5.2 Assurant Main Business
  • 7.5.3 Assurant Flood Insurance Products, Services and Solutions
  • 7.5.4 Assurant Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.5.5 Assurant Recent Developments
• 7.6 Chubb
  • 7.6.1 Chubb Profile
  • 7.6.2 Chubb Main Business
  • 7.6.3 Chubb Flood Insurance Products, Services and Solutions
  • 7.6.4 Chubb Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.6.5 Chubb Recent Developments
• 7.7 PICC
  • 7.7.1 PICC Profile
  • 7.7.2 PICC Main Business
  • 7.7.3 PICC Flood Insurance Products, Services and Solutions
  • 7.7.4 PICC Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.7.5 PICC Recent Developments
• 7.8 Sompo Japan Nipponkoa
  • 7.8.1 Sompo Japan Nipponkoa Profile
  • 7.8.2 Sompo Japan Nipponkoa Main Business
  • 7.8.3 Sompo Japan Nipponkoa Flood Insurance Products, Services and Solutions
  • 7.8.4 Sompo Japan Nipponkoa Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.8.5 Sompo Japan Nipponkoa Recent Developments
• 7.9 CPIC
  • 7.9.1 CPIC Profile
  • 7.9.2 CPIC Main Business
  • 7.9.3 CPIC Flood Insurance Products, Services and Solutions
  • 7.9.4 CPIC Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.9.5 CPIC Recent Developments
• 7.10 PingAn
  • 7.10.1 PingAn Profile
  • 7.10.2 PingAn Main Business
  • 7.10.3 PingAn Flood Insurance Products, Services and Solutions
  • 7.10.4 PingAn Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.10.5 PingAn Recent Developments
• 7.11 Sunshine
  • 7.11.1 Sunshine Profile
  • 7.11.2 Sunshine Main Business
  • 7.11.3 Sunshine Flood Insurance Products, Services and Solutions
  • 7.11.4 Sunshine Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.11.5 Sunshine Recent Developments
• 7.12 Berkshire Hathaway
  • 7.12.1 Berkshire Hathaway Profile
  • 7.12.2 Berkshire Hathaway Main Business
  • 7.12.3 Berkshire Hathaway Flood Insurance Products, Services and Solutions
  • 7.12.4 Berkshire Hathaway Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.12.5 Berkshire Hathaway Recent Developments
• 7.13 Suncorp
  • 7.13.1 Suncorp Profile
  • 7.13.2 Suncorp Main Business
  • 7.13.3 Suncorp Flood Insurance Products, Services and Solutions
  • 7.13.4 Suncorp Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.13.5 Suncorp Recent Developments
• 7.14 Progressive
  • 7.14.1 Progressive Profile
  • 7.14.2 Progressive Main Business
  • 7.14.3 Progressive Flood Insurance Products, Services and Solutions
  • 7.14.4 Progressive Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.14.5 Progressive Recent Developments
• 7.15 American Strategic
  • 7.15.1 American Strategic Profile
  • 7.15.2 American Strategic Main Business
  • 7.15.3 American Strategic Flood Insurance Products, Services and Solutions
  • 7.15.4 American Strategic Flood Insurance Revenue (US$ Million) & (2020-2025)
  • 7.15.5 American Strategic Recent Developments

8 Industry Chain Analysis

• 8.1 Flood Insurance Industrial Chain
• 8.2 Flood Insurance Upstream Analysis
  • 8.2.1 Key Raw Materials
  • 8.2.2 Raw Materials Key Suppliers
  • 8.2.3 Manufacturing Cost Structure
• 8.3 Midstream Analysis
• 8.4 Downstream Analysis (Customers Analysis)
• 8.5 Sales Model and Sales Channels
  • 8.5.1 Flood Insurance Sales Model
  • 8.5.2 Sales Channel
  • 8.5.3 Flood Insurance Distributors

9 Research Findings and Conclusion

10 Appendix

• 10.1 Research Methodology
  • 10.1.1 Methodology/Research Approach
    • 10.1.1.1 Research Programs/Design
    • 10.1.1.2 Market Size Estimation
    • 10.1.1.3 Market Breakdown and Data Triangulation
  • 10.1.2 Data Source
    • 10.1.2.1 Secondary Sources
    • 10.1.2.2 Primary Sources
• 10.2 Author Details
• 10.3 Disclaimer