{"id":27064,"date":"2026-03-17T00:07:21","date_gmt":"2026-03-16T22:07:21","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/cae-el-numero-de-incidentes-climaticos\/"},"modified":"2026-03-19T12:18:40","modified_gmt":"2026-03-19T10:18:40","slug":"cae-el-numero-de-incidentes-climaticos","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/es\/cae-el-numero-de-incidentes-climaticos\/","title":{"rendered":"Cae el n\u00famero de incidentes clim\u00e1ticos"},"content":{"rendered":"

[vc_row][vc_column width=”3\/4″][vc_column_text css=””]<\/p>\n

Los siniestros clim\u00e1ticos caen en 2025<\/b><\/h2>\n

[\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””]17\/03\/26<\/em>[\/vc_column_text][vc_column_text css=””]<\/p>\n

El n\u00famero de incidentes y pagos descienden m\u00e1s de un 12% para un total de 492 millones de euros abonados para cubrir los da\u00f1os<\/em><\/p>\n

[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1773915515070{margin-bottom: 20px !important;}”]<\/p>\n

Las aseguradoras abonaron 492 millones de euros en 2025 para cubrir da\u00f1os derivados de 628.800 siniestros relacionados con fen\u00f3menos meteorol\u00f3gicos, seg\u00fan datos difundidos por Unespa. Esta cifra supone un descenso del 12,46% respecto a 2024, cuando las indemnizaciones alcanzaron los 562 millones de euros. Tambi\u00e9n se redujo el n\u00famero de incidentes gestionados por las compa\u00f1\u00edas, con una ca\u00edda del 12,8%.<\/p>\n

Durante el a\u00f1o pasado se registraron una media de 1.723 percances al d\u00eda, lo que se tradujo en 1,34 millones de euros diarios en pagos por parte del sector asegurador. El coste medio por siniestro fue de 783 euros, pr\u00e1cticamente en l\u00ednea con el ejercicio anterior, cuando se situ\u00f3 en 779 euros.<\/p>\n

Las viviendas concentraron cerca de dos tercios de los siniestros ocurridos en 2025. En t\u00e9rminos de indemnizaciones, el ramo de Multirriesgo Hogar encabez\u00f3 los pagos con 213 millones de euros, equivalentes al 43,3% del total. A continuaci\u00f3n se situaron Multirriesgo Industrial, con 114 millones, y Autos, con 77 millones.<\/p>\n

A pesar de ello, los expedientes m\u00e1s costosos se registraron en el \u00e1mbito industrial. En este segmento, el importe medio por siniestro alcanz\u00f3 los 3.532 euros, muy por encima de los 523 euros de media en los hogares.<\/p>\n

En el caso del Multirriesgo Industrial, los expedientes situados en el percentil 99,5% llegaron a indemnizaciones de hasta 153.913 euros. En Otros Multirriesgos, los casos m\u00e1s extremos alcanzaron 113.003 euros, mientras que en Comercio, Hogar y Autos los picos se situaron en 28.950, 13.457 y 13.012 euros, respectivamente.<\/p>\n

Granizo y lluvia, protagonistas de los da\u00f1os<\/p>\n

Por tipo de fen\u00f3meno, el granizo fue el que gener\u00f3 mayores costes medios, con 1.814 euros por siniestro, seguido del viento, con 739 euros.<\/p>\n

Sin embargo, la lluvia fue el fen\u00f3meno m\u00e1s frecuente, al representar m\u00e1s del 58% de los siniestros registrados. Este tipo de eventos origin\u00f3 pagos por 178 millones de euros, una cifra inferior a la de 2024, cuando alcanz\u00f3 225,7 millones.<\/p>\n

D\u00edas con mayor impacto para el sector<\/p>\n

La jornada con mayor volumen de indemnizaciones fue el 11 de junio, cuando las compa\u00f1\u00edas desembolsaron 54,2 millones de euros, principalmente por tormentas de granizo. Otras fechas destacadas fueron el 12 de julio, con 35,2 millones, y el 13 de septiembre, con 15,2 millones.<\/p>\n

Distribuci\u00f3n territorial<\/p>\n

Por provincias, Madrid, Barcelona y Valencia lideraron el ranking de indemnizaciones, con 79,2 millones, 40,5 millones y 33,3 millones de euros, respectivamente.<\/p>\n

Madrid tambi\u00e9n fue la provincia con mayor n\u00famero de siniestros, al superar los 109.500 incidentes. En cambio, los costes medios m\u00e1s elevados por expediente se registraron en provincias como Palencia (2.151 euros por siniestro) y Huesca (2.024 euros).<\/p>\n

[\/vc_column_text][vc_row_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=”1\/4″][stm_spacing lg_spacing=”50″ md_spacing=”50″ sm_spacing=”50″ xs_spacing=”50″][vc_column_text]<\/p>\n

\u00daltimas noticias<\/h2>\n

[\/vc_column_text][stm_news loop=”size:4|order_by:date|order:DESC|post_type:post|categories:8″ posts_per_row=”2″][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column width=”3\/4″][vc_column_text css=””] Los siniestros clim\u00e1ticos caen en 2025 [\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””]17\/03\/26[\/vc_column_text][vc_column_text css=””] El n\u00famero de incidentes y pagos descienden m\u00e1s de un 12% para un total de 492 millones de euros abonados para cubrir los da\u00f1os [\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1773915515070{margin-bottom: 20px !important;}”] Las aseguradoras abonaron 492 millones de euros en 2025<\/p>\n","protected":false},"author":562,"featured_media":27062,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[2163,1867],"class_list":["post-27064","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-es-noticias","tag-mednews-294","tag-mn"],"yoast_head":"\nCae el n\u00famero de incidentes clim\u00e1ticos - 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