Losses and damages related to urban flooding and storms are likely to increase due to climate change. The insurance industry can potentially play a key role in climate change adaptation by contributing to the understanding of risks associated with climate change. By sharing data on the location of insurance claims associated with extreme rainfall or storms, the insurance industry can enable better-informed adaptation planning and risk management.

The United Kingdom has historically experienced severe flood events, including that of summer 2007, which resulted in the loss of essential services including water and energy supply, as well as the destruction of infrastructures, with estimated costs exceeding £3.2 billion. About half a million people were immediately affected by this event, in terms of temporary absence of energy supply. In any of such flood event, once energy supply is impacted, so are other services as water distribution, transport, communication and health care.

The municipality of Ober-Grafendorf is located at an elevation of 280 m in a typical pre-Alpine landscape in the Mostviertel region in the western part of the Austrian province Lower Austria. With 4,612 inhabitants on a municipal territory of 24.6 km², Ober-Grafendorf has a population size only slightly above the statistical average of Austrian municipalities, and it is among the 98% of Austrian municipalities with less than 20.000 inhabitants.

Herdade do Freixo do Meio is an organic certified farm of 440 hectares located in the Alentejo region in the south of Portugal, a region characterized by the multifunctional agro-silvo-pastoral system of cork and holm oak trees, named montado. This farm employs about 20 people and produces cork, vegetables, fruit, wine and herbs, and holds animals (such as sheep, cows, pig, turkey and chicken) extensively.

Groundwork London – an environmental regeneration charity part of the Groundwork federation - in partnership with Hammersmith and Fulham Council, received LIFE+ funding for the Climate-Proofing Social Housing Landscapes project in 2013. The project, which came to an end in September 2016, has demonstrated an integrated approach to climate adaptation in urban areas by undertaking a package of affordable, light-engineering climate change adaptation measures based around the retrofitting of blue and green infrastructure.

In 2002, Prague experienced severe flooding with total damage of 24 billion CZK (1 billion euro). This event was recognized as one of the most expensive weather-related disaster in the history of the city with heavy damages on infrastructure, housing and environment. Future climate scenarios predict a change in the number and intensity of extreme events, inter alia, increasing the risk of river flooding. Since the 2002 event, the implementation of flood control measures by Prague municipality substantially speeded up.

Bratislava has received funding from “EEA Grants and Norway Grants” (hereafter called EEA Grants) for an urban climate adaptation project. The project entitled ‘Bratislava is preparing for climate change’ implements measures to enhance the resilience of Bratislava city to the adverse impacts of climate change, in particular intense rainfall and heat. These measures include tree planting, green roofs and rainwater retention facilities. The benefits are primarily for the most vulnerable inhabitants of Bratislava: elderly people and children.

Lisbon is located in Southern Europe, a region that is generally identified as one to be likely affected by droughts if current climate change scenarios do occur. Over the last 40 years, Lisbon geographic area has witnessed an increase in the rainfall variability. Projections up to the end of the century agree that these trends will intensify. Leakage reduction at the distribution network arises as one of the most significant adaptation measures to be implemented.

Bilbao’s ‘Zorrotzaurre’ district is currently a degraded, flood-prone industrial peninsula. With increasing extreme precipitation predicted across the Basque country in the future due to climate change and a need for new housing to accommodate citizens of Bilbao, a major urban regeneration project is currently underway to redevelop Zorrotzaurre district into a new flood-proof residential quarter.

Malmö is experiencing negative effects from climate change due to rising temperatures and excessive rainfall. The city therefore aims to realise climate adaptation measures by integrating it directly in the design of urban development projects, such as in the case of the Western Harbour. The private funding to realise these measures is provided by developers, who realise the actual construction of the projects.