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05 — Risks & resilience

The risks specific to local territories.

Floods, wildfires, heatwaves, droughts, but also health, social and cyber crises: territories face multiple, overlapping exposures. Adaptation is becoming a management skill in its own right, alongside budgeting and planning.

What we hand over
Our perspective

Five families of risk to hold at once.

A local authority handles several types of risk at once, with the same teams and the same budget. They often overlap, and a single crisis can set off two or three of them.

  • Natural and climate risks (floods, wildfires, heatwaves, droughts)
  • Health and social risks
  • Technological and industrial risks
  • Cyber risks affecting digital public services
  • Insurance and budgetary risk, as coverage conditions keep deteriorating
Exposure signals
What the data reveals about insurability — hover an indicator for detail.
Level reached
Low High Rising insurance costs 82% Municipalities without a PPRN 64% Share of small-municipality budgets 7.5% CatNat surcharge 12→20%
Reclaim Finance & Data For Good · Observatoire de l'assurabilité (CCR/French State, 2026)

These risks do not stay in their box. A prolonged drought means usage restrictions, strain on the drinking water supply, cracks in public buildings from clay shrink-swell and a review of insurance terms, all at once: four issues, four different departments.

Since COP16, France is officially a country affected by desertification. At the scale of a local authority, systemic risk reads right there: in the order services give way, and the order in which they will have to be restored.

On the ground

The change, visible in seconds.

Three recent events in France: drag the handle to compare before and after.

The same area after the fire: a burn scar spanning several thousand hectares, Planet Labs satellite imagery
La Teste-de-Buch forest (Gironde) before the July 2022 wildfire, Planet Labs satellite imagery
BEFORE AFTER

Planet Labs satellite imagery — La Teste-de-Buch wildfire (Gironde, France), July 2022. Over 6,500 hectares of forest destroyed within days.

The Garonne river overflowing at La Réole (Gironde), flooding fields and homes, Planet Labs satellite imagery
The Garonne river at La Réole (Gironde) within its normal banks, before the February 2026 flood, Planet Labs satellite imagery
BEFORE AFTER

Planet Labs satellite imagery — Garonne river flood at La Réole (Gironde, France), February 2026. The river overflowed its banks between Agen and Langon following storm Nils (11–12 February 2026).

Mainland France seen by satellite on 9 July 2026: dried-out soils and scorched vegetation cover across much of the country
Mainland France seen by satellite on 27 May 2026: vegetation cover still green before the summer drought
BEFORE AFTER

Natural-colour satellite imagery — mainland France, 27 May to 9 July 2026. Spring greening gives way to dried-out soils across much of the country — a drought affecting the whole territory, not just isolated areas.

How we work

From risk exposure to operational decisions.

A reading that feeds directly into your continuity plans and regulatory obligations.

01

Exposure diagnosis

Inventory of the hazards weighing on the territory, from natural to cyber risk.

02

Vulnerability analysis

Cross-referencing identified risks with population, infrastructure and public services.

03

Scenarios & prioritization

Building plausible crisis scenarios and ranking them by likelihood and impact.

04

Recommendations for action

Measures ranked by priority, each translated into an action to be taken.

0

Risk families covered: natural, health, technological and cyber.

Territorial

A reading built at the scale of your municipality or EPCI.

Actionable

Every recommendation states what it means in practice, and who owns it.

→ This diagnosis feeds directly into your PCS, PICS and DICRIM — the regulatory formalization that follows.

In practice

What you leave with.

Four deliverables to objectify your territory's exposure and inform your decisions.

Sheet 01/04

Risk exposure diagnosis

Each risk listed, with its source, its location and its level of exposure.

Sheet 02/04

Vulnerability mapping

The territory's sensitive sites, from schools to networks and venues open to the public.

Sheet 03/04

Territorialized crisis scenarios

Written scenarios, usable directly as an exercise outline.

Sheet 04/04

Operational recommendations note

A written note, ready to be filed with your safeguard plans and council decisions.

Map your risks → Four deliverables, including ready-to-run scenarios