{"texte":{"uid":"PIONANR5L17B2037","legislature":17,"titre":"Reconnaître une politique nationale d’adaptation au changement climatique et à adapter les mécanismes d’assurance","titreLong":"proposition de loi visant à reconnaître une politique nationale d’adaptation au changement climatique et à adapter les mécanismes d’assurance","dateDepot":"2025-10-28","dossierRef":"DLR5L17N53067","auteurs":[{"id":"PA840829","label":"Fabrice Barusseau","qualite":"auteur"}],"cosignataires":[{"id":"PA794658","label":"Philippe Fait"},{"id":"PA840665","label":"Marie-José Allemand"},{"id":"PA642764","label":"Joël Aviragnet"},{"id":"PA643143","label":"Christian Baptiste"},{"id":"PA342415","label":"Marie-Noëlle Battistel"},{"id":"PA606793","label":"Laurent Baumel"},{"id":"PA720362","label":"Belkhir Belhaddad"},{"id":"PA842211","label":"Béatrice Bellay"},{"id":"PA841315","label":"Karim Benbrahim"},{"id":"PA794094","label":"Mickaël Bouloux"},{"id":"PA793624","label":"Philippe Brun"},{"id":"PA795762","label":"Elie Califer"},{"id":"PA608264","label":"Colette Capdevielle"},{"id":"PA840903","label":"Paul Christophle"},{"id":"PA841295","label":"Pierrick Courbon"},{"id":"PA1008","label":"Alain David"},{"id":"PA793394","label":"Arthur Delaporte"},{"id":"PA795430","label":"Stéphane Delautrette"},{"id":"PA841919","label":"Dieynaba Diop"},{"id":"PA606573","label":"Fanny Dombre Coste"},{"id":"PA841633","label":"Peio Dufau"},{"id":"PA794854","label":"Iñaki Echaniz"},{"id":"PA842195","label":"Romain Eskenazi"},{"id":"PA609332","label":"Olivier Faure"},{"id":"PA841665","label":"Denis Fégné"},{"id":"PA822617","label":"Martine Froger"},{"id":"PA333285","label":"Guillaume Garot"},{"id":"PA840939","label":"Océane Godard"},{"id":"PA841539","label":"Julien Gokel"},{"id":"PA331973","label":"Pascale Got"},{"id":"PA840171","label":"Emmanuel Grégoire"},{"id":"PA1567","label":"Jérôme Guedj"},{"id":"PA841471","label":"Stéphane Hablot"},{"id":"PA842263","label":"Ayda Hadizadeh"},{"id":"PA841813","label":"Florence Herouin-Léautey"},{"id":"PA841853","label":"Céline Hervieu"},{"id":"PA1654","label":"François Hollande"},{"id":"PA722150","label":"Sacha Houlié"},{"id":"PA643192","label":"Chantal Jourdan"},{"id":"PA335054","label":"Marietta Karamanli"},{"id":"PA795156","label":"Fatiha Keloua Hachi"},{"id":"PA774958","label":"Gérard Leseul"},{"id":"PA840765","label":"Laurent Lhardit"},{"id":"PA841463","label":"Estelle Mercier"},{"id":"PA643157","label":"Philippe Naillet"},{"id":"PA841107","label":"Jacques Oberti"},{"id":"PA841381","label":"Sophie Pantel"},{"id":"PA840793","label":"Marc Pena"},{"id":"PA794270","label":"Anna Pic"},{"id":"PA608172","label":"Christine Pirès Beaune"},{"id":"PA607553","label":"Dominique Potier"},{"id":"PA840955","label":"Pierre Pribetich"},{"id":"PA841367","label":"Christophe Proença"},{"id":"PA341981","label":"Marie Récalde"},{"id":"PA840673","label":"Valérie Rossi"},{"id":"PA342196","label":"Claudia Rouaux"},{"id":"PA826635","label":"Aurélien Rousseau"},{"id":"PA841327","label":"Fabrice Roussel"},{"id":"PA841717","label":"Sandrine Runel"},{"id":"PA841243","label":"Sébastien Saint-Pasteur"},{"id":"PA774960","label":"Isabelle Santiago"},{"id":"PA340343","label":"Hervé Saulignac"},{"id":"PA841091","label":"Arnaud Simion"},{"id":"PA841681","label":"Thierry Sother"},{"id":"PA841893","label":"Céline Thiébault-Martinez"},{"id":"PA793816","label":"Mélanie Thomin"},{"id":"PA719930","label":"Boris Vallaud"},{"id":"PA794494","label":"Roger Vicot"},{"id":"PA720992","label":"Jiovanny William"},{"id":"PA642935","label":"Olivier Becht"},{"id":"PA840997","label":"Benoît Biteau"},{"id":"PA841507","label":"Nicolas Bonnet"},{"id":"PA719032","label":"Bertrand Bouyx"},{"id":"PA722000","label":"Stéphane Buchou"},{"id":"PA719138","label":"Michel Castellani"},{"id":"PA642868","label":"Paul Christophe"},{"id":"PA795402","label":"Nathalie Coggia"},{"id":"PA605694","label":"Olivier Falorni"},{"id":"PA841419","label":"Damien Girard"},{"id":"PA719412","label":"Sandrine Le Feur"},{"id":"PA795244","label":"Stéphane Lenormand"},{"id":"PA607619","label":"Paul Molac"},{"id":"PA794830","label":"Hubert Ott"},{"id":"PA842045","label":"Julie Ozenne"},{"id":"PA720334","label":"Jimmy Pahun"},{"id":"PA719632","label":"Sophie Panonacle"},{"id":"PA841359","label":"Constance de Pélichy"},{"id":"PA793572","label":"Christophe Plassard"},{"id":"PA793664","label":"Marie Pochon"},{"id":"PA795270","label":"Marie-Agnès Poussier-Winsback"},{"id":"PA720552","label":"Isabelle Rauch"},{"id":"PA794154","label":"Jean-Claude Raux"},{"id":"PA795240","label":"Mereana Reid Arbelot"},{"id":"PA606545","label":"Jean-Louis Roumégas"},{"id":"PA610002","label":"Eva Sas"},{"id":"PA722102","label":"Annie Vidal"},{"id":"PA795026","label":"Anne-Cécile Violland"}],"cosignatairesCount":97,"type":"Proposition de loi","anUrl":"https://www.assemblee-nationale.fr/17/propositions/pion2037.asp","dispositions":{"exposeMotifs":"MESDAMES, MESSIEURS, Ce texte s’inscrit dans la continuité des travaux menés par les co-rapporteurs Philippe Fait et Fabrice Barusseau dans le cadre de la mission d’information sur l’adaptation au changement climatique et l’aménagement des territoires dont le rapport n° 1525, adopté à l’unanimité par la commission du développement durable et de l’Aménagement du territoire, établit le constat suivant : Le changement climatique n’est plus une menace abstraite. Il affecte d’ores et déjà la vie quotidienne de nos concitoyens et la solidité de nos territoires. La France doit agir maintenant pour éviter des coûts humains, économiques et assurantiels dont l’ampleur sera considérable si l’on demeure dans l’inaction. Le présent texte traduit une volonté politique simple et ferme : concilier solidarité territoriale et incitations économiques pour maintenir une couverture d’assurance là où elle est la plus vitale, et, parallèlement, responsabiliser les acteurs afin d’éviter que l’assurance ne couvre indéfiniment des situations de vulnérabilité non traitées. La trajectoire de référence pour l’adaptation (Tracc) retient une hypothèse de +4 degrés Celsius en France à l’horizon 2100. Cette trajectoire implique des jalons d’impacts (vagues de chaleur plus fréquentes, intensification des épisodes de précipitations extrêmes, retrait‑gonflement des argiles, érosion côtière) et des coûts déjà mesurables. Les coûts liés aux catastrophes naturelles ont été multipliés par six depuis les années 1980","articles":[{"num":"1er","extrait":"Le livre I er du code de l’environnement est complété par un titre X ainsi rédigé : « TITRE X « ADAPTATION AU CHANGEMENT CLIMATIQUE « Art. L. 192. – I. – Le plan national d’adaptation au changement climatique définit, par voie réglementaire, la stratégie de la Nation pour réduire ses vulnérabilités physiques, économiques et sociales à l’évolution du climat. « Il tient compte de la trajectoire de référence pour l’adaptation au changement climatique mentionnée à l’article L. 193. « II. – Le plan est révisé au moins tous les cinq ans. « Le projet de plan est soumis pour avis au Conseil national de la transition écologique mentionné à l’article L. 133-1 ainsi qu’au Haut Conseil pour le climat mentionné à l’article L. 132-4. Ces avis sont rendus publics. « Art. L. 193. – La trajectoire de référence pour l’adaptation au changement climatique détermine, en l’état des connaissances scientifiques, le scénario de référence d’évolution du climat en France jusqu’en 2100. « Elle sert de référence aux politiques d’urbanisme et d’aménagement du territoire de l’État, des collectivités territoriales et des autres organismes publics. « La trajectoire est définie par décret, après avis du Haut Conseil pour le climat. Elle est réexaminée et, si nécessaire, mise à jour avant chaque révision du plan national d’adaptation au changement climatique mentionné à l’article L. 192. »"},{"num":"2","extrait":"I. – Le livre Ier du code des assurances est ainsi modifié : 1° Après l’article L. 113-15-2, il est inséré un article L. 113-15-2-1 ainsi rédigé : « Art. L. 113-15-2-1. – Par dérogation au premier alinéa de l’article L. 113-15-2, l’assuré ne peut pas exercer, pendant un délai fixé par le contrat et qui ne saurait excéder cinq ans, son droit de résiliation après le versement par l’assureur d’une indemnité finançant, à la suite de la reconnaissance de l’état de catastrophe naturelle au sens de l’article L. 125-1, la mise en conformité du bien aux mesures mentionnées au 4° du II de l’article L. 562-1 du code de l’environnement. « Un décret en Conseil d’État précise les modalités d’application du présent article. » 2° Après le premier alinéa de l’article L. 121-1, il est inséré un alinéa ainsi rédigé : « Toutefois, l’indemnité due par l’assureur à l’assuré peut dépasser le montant de la valeur de la chose assurée au moment du sinistre si elle a pour objet, à la suite de la reconnaissance de l’état de catastrophe naturelle au sens de l’article L. 125-1, de financer les travaux de reconstruction mentionnés au second alinéa de l’article L. 111-15 du code de l’urbanisme. » II. – L’article L. 111-15 du code de l’urbanisme est ainsi modifié : 1° Les mots : «, le plan local d’urbanisme ou le plan de prévention des risques naturels prévisibles » sont remplacés par les mots : « ou le plan local d’urbanisme » ; 2° Il est ajouté un alinéa ainsi rédigé : « Toutefois, dans les zones exposées aux risques, définies par les plans de prévention des risques naturels prévisibles, la reconstruction ne peut déroger aux mesures mentionnées au 4° du II de l’article L. 562-1 du code de l’environnement. »"},{"num":"3","extrait":"Après le troisième alinéa de l’article L. 125-2 du code des assurances, sont insérés trois alinéas ainsi rédigés : « Par dérogation à l’alinéa précédent, les entreprises d’assurance peuvent fixer librement le taux de la prime ou cotisation additionnelle, dans des conditions définies par décret en Conseil d’État, pour les biens suivants lorsqu’ils sont situés dans une zone exposée aux risques, définie par les plans de prévention des risques naturels prévisibles : « 1° Les résidences secondaires ; « 2° Les biens professionnels dont la valeur assurée dépasse vingt millions d’euros. »"},{"num":"4","extrait":"I. – La charge pour l’État est compensée à due concurrence par la création d’une taxe additionnelle à l’accise sur les tabacs prévue au chapitre IV du titre I er du livre III du code des impositions sur les biens et services. II. – La charge pour les collectivités territoriales est compensée à due concurrence par la majoration de la dotation globale de fonctionnement et, corrélativement pour l’État, par la création d’une taxe additionnelle à l’accise sur les tabacs prévue au chapitre IV du titre I er du livre III du code des impositions sur les biens et services.","resume":"Compense la charge pour l'État par une taxe additionnelle à l'accise sur les tabacs, et celle des collectivités territoriales par une majoration de la dotation globale de fonctionnement."}],"pdfUrl":"https://www.assemblee-nationale.fr/dyn/17/textes/l17b2037_proposition-loi.pdf","pdfPages":null},"dispositionsVersion":6},"stade":{"cle":"depose","etiquette":"Déposé, non adopté à ce jour","phrase":"Ce texte a été déposé le 28 octobre 2025. Il n'a pas été adopté à ce jour : ce n'est pas la loi.","garde":"Ce résumé décrit ce que le texte propose. Ce n'est pas le droit en vigueur."},"linkedScrutins":[{"id":"VTANR5L17V6069","titre":"l'ensemble de la proposition de loi visant à reconnaître une politique nationale d'adaptation au changement climatique et à adapter les mécanismes d'assurance (première lecture).","date":"2026-04-08","sortCode":"adopté","pour":70,"contre":0,"abstention":27},{"id":"VTANR5L17V6062","titre":"l'article premier de la proposition de loi visant à reconnaître une politique nationale d'adaptation au changement climatique et à adapter les mécanismes d'assurance (première lecture).","date":"2026-04-08","sortCode":"adopté","pour":52,"contre":17,"abstention":1},{"id":"VTANR5L17V6063","titre":"l'amendement n° 6 de Mme Ferrer à l'article 2 de la proposition de loi visant à reconnaître une politique nationale d'adaptation au changement climatique et à adapter les mécanismes d'assurance (première lecture).","date":"2026-04-08","sortCode":"adopté","pour":73,"contre":0,"abstention":1},{"id":"VTANR5L17V6064","titre":"l'amendement n° 43 de M. Barusseau à l'article 2 de la proposition de loi visant à reconnaître une politique nationale d'adaptation au changement climatique et à adapter les mécanismes d'assurance (première lecture).","date":"2026-04-08","sortCode":"adopté","pour":44,"contre":24,"abstention":18},{"id":"VTANR5L17V6065","titre":"l'article 2 de la proposition de loi visant à reconnaître une politique nationale d'adaptation au changement climatique et à adapter les mécanismes d'assurance (première lecture).","date":"2026-04-08","sortCode":"adopté","pour":62,"contre":0,"abstention":16},{"id":"VTANR5L17V6066","titre":"l'amendement n° 11 de M. Fernandes à l'article 3 de la proposition de loi visant à reconnaître une politique nationale d'adaptation au changement climatique et à adapter les mécanismes d'assurance (première lecture).","date":"2026-04-08","sortCode":"adopté","pour":36,"contre":29,"abstention":22},{"id":"VTANR5L17V6067","titre":"l'article 3 de la proposition de loi visant à reconnaître une politique nationale d'adaptation au changement climatique et à adapter les mécanismes d'assurance (première lecture).","date":"2026-04-08","sortCode":"adopté","pour":72,"contre":14,"abstention":4},{"id":"VTANR5L17V6068","titre":"l'amendement n° 4 de Mme Ferrer après l'article 3 de la proposition de loi visant à reconnaître une politique nationale d'adaptation au changement climatique et à adapter les mécanismes d'assurance (première lecture).","date":"2026-04-08","sortCode":"rejeté","pour":13,"contre":48,"abstention":32}],"hasEnjeu":true,"hasDisp":true,"hasVotes":true,"hasOu":true,"themeLabels":{"climat":"Climat / transition écologique (décarbonation, émissions, adaptation)","sante-systeme":"Système de santé (hôpital, accès aux soins, assurance maladie)"},"themesTexte":["climat","sante-systeme"],"nAmdtDeposes":98,"amdtIdx":{"dossierRef":"DLR5L17N53067","leg":17,"counts":{"total":98,"Adopté":35,"Rejeté":25,"Irrecevable":10,"Tombé":10,"Retiré":8,"Irrecevable 40":7,"Non soutenu":3},"stades":{"commission":56,"seance":42},"organes":[{"prefixe":"AN","label":"Séance publique"},{"prefixe":"CION-DVP","label":"Commission des développement durable"}],"textes":[{"ref":"PIONANR5L17B2037","n":56},{"ref":"PIONANR5L17BTC2193","n":42}],"byGroupe":[{"groupeId":"RN","code":"RN","couleur":"#313567","n":33,"adoptes":1},{"groupeId":"SOC","code":"SOC","couleur":"#F5B4CE","n":27,"adoptes":24},{"groupeId":"EcoS","code":"EcoS","couleur":"#77AA79","n":12,"adoptes":4},{"groupeId":"LFI","code":"LFI","couleur":"#C00D0D","n":9,"adoptes":2},{"groupeId":"LIOT","code":"LIOT","couleur":"#FFD96F","n":6,"adoptes":0},{"groupeId":"DR","code":"DR","couleur":"#8CB0DC","n":3,"adoptes":0},{"groupeId":"EPR","code":"EPR","couleur":"#7B4591","n":2,"adoptes":0}],"divisions":[{"key":"art-premier","label":"ART. PREMIER","n":18,"adoptes":13},{"key":"art-2","label":"ART. 2","n":41,"adoptes":15},{"key":"apres-art-2","label":"APRÈS ART. 2","n":4,"adoptes":0},{"key":"art-3","label":"ART. 3","n":29,"adoptes":7},{"key":"apres-art-3","label":"APRÈS ART. 3","n":6,"adoptes":0}]},"amdtDivisions":{"art-premier":[{"u":"AMANR5L17PO838901BTC2193P0D1N000001","n":"1","no":"1","ex":"AN","st":"Non soutenu","et":"Discuté","se":"Non soutenu","an":"M. Charles Sitzenstuhl","gc":"EPR","gk":"#7B4591","t":"À l’alinéa 7, après le mot :\n« physiques, »,\ninsérer le mot :\n« agricoles, »."},{"u":"AMANR5L17PO838901BTC2193P0D1N000015","n":"15","no":"15","ex":"AN","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. Nicolas Bonnet","gc":"EcoS","gk":"#77AA79","t":"Après l’alinéa 12, insérer l’alinéa suivant :\n« Elle sert de référence aux politiques d’urbanisme et d’aménagement du territoire…"},{"u":"AMANR5L17PO838901BTC2193P0D1N000016","n":"16","no":"16","ex":"AN","st":"Retiré","et":"Discuté","se":"Retiré","an":"M. Nicolas Bonnet","gc":"EcoS","gk":"#77AA79","t":"Compléter l’alinéa 13 par les mots :\n« ainsi que dans l’évaluation environnementale des projets »."},{"u":"AMANR5L17PO838901BTC2193P0D1N000017","n":"17","no":"17","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Nicolas Bonnet","gc":"EcoS","gk":"#77AA79","t":"Compléter la première phrase de l’alinéa 12 par les mots :\n« et du Haut conseil pour le climat »."},{"u":"AMANR5L17PO838901BTC2193P0D1N000022","n":"22","no":"22","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"À l’alinéa 17, substituer aux mots :\n« des articles L. 151-34 ou »,\nles mots :\n« de l’article »."},{"u":"AMANR5L17PO838901BTC2193P0D1N000023","n":"23","no":"23","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"À la première phrase de l’alinéa 12, substituer aux mots :\n« fixée par arrêté »,\nles mots :\n« définie par arrêté du ministre…"},{"u":"AMANR5L17PO419865B2037P0D1N000030","n":"CD30","no":"30","ex":"CION-DVP","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Nicolas Bonnet","gc":"EcoS","gk":"#77AA79","t":"Compléter l’alinéa 9 par les mots :\n« ainsi qu’à l’évaluation environnementale des projets »."},{"u":"AMANR5L17PO419865B2037P0D1N000031","n":"CD31","no":"31","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Nicolas Bonnet","gc":"EcoS","gk":"#77AA79","t":"À la première phrase de l’alinéa 10, après le mot :\n« avis »,\ninsérer le mot :\n« publié »."},{"u":"AMANR5L17PO838901BTC2193P0D1N000034","n":"34","no":"34","ex":"AN","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"Le Gouvernement","t":"I. - Supprimer l’alinéa 13\nII. - En conséquence, rédiger ainsi l’alinéa 14 :\n« II. - 1° Le 1° du II de l’article L. 229-26 du…"},{"u":"AMANR5L17PO419865B2037P0D1N000041","n":"CD41","no":"41","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"À l’alinéa 6, supprimer les mots :\n« au moins »."},{"u":"AMANR5L17PO419865B2037P0D1N000042","n":"CD42","no":"42","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"À l’alinéa 8, substituer aux mots :\n« le scénario de référence d’ »\nles mots :\n« une projection de l’ »."},{"u":"AMANR5L17PO419865B2037P0D1N000044","n":"CD44","no":"44","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"I. - À l’alinéa 5, après le mot :\n« trajectoire »,\ninsérer les mots :\n« de réchauffement ».\nII. - En conséquence, à l’alinéa 8…"},{"u":"AMANR5L17PO419865B2037P0D1N000045","n":"CD45","no":"45","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"Compléter cet article par les quatre alinéas suivants :\n« II. - Au deuxième alinéa de l’article L. 151-4 du code de l’urbanisme…"},{"u":"AMANR5L17PO419865B2037P0D1N000046","n":"CD46","no":"46","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"I. - Substituer aux alinéas 1 à 3 les sept alinéas suivants :\n« La section 1 du chapitre IX du titre II du livre II du code de…"},{"u":"AMANR5L17PO419865B2037P0D1N000048","n":"CD48","no":"48","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"À l’alinéa 8, après le mot :\n« France »,\ninsérer les mots :\n« à différents horizons temporels et au moins »."},{"u":"AMANR5L17PO419865B2037P0D1N000049","n":"CD49","no":"49","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"I. - À la première phrase de l’alinéa 10, substituer aux mots :\n« définie par décret »\nles mots :\n« fixée par arrêté ».\nII. - En…"},{"u":"AMANR5L17PO419865B2037P0D1N000054","n":"CD54","no":"54","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"À la fin de la première phrase de l’alinéa 10, substituer aux mots :\n« Haut Conseil pour le climat »\nles mots :\n« Conseil…"},{"u":"AMANR5L17PO419865B2037P0D1N000055","n":"CD55","no":"55","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"Supprimer l’alinéa 9."}],"art-2":[{"u":"AMANR5L17PO419865B2037P0D1N000002","n":"CD2","no":"2","ex":"CION-DVP","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. Sébastien Humbert","gc":"RN","gk":"#313567","t":"Compléter cet article par l’alinéa suivant :\n« L’obligation de reconstruction résiliente tient compte des aspects patrimoniaux…"},{"u":"AMANR5L17PO419865B2037P0D1N000003","n":"CD3","no":"3","ex":"CION-DVP","st":"Retiré","et":"Discuté","se":"Retiré","an":"M. Timothée Houssin","gc":"RN","gk":"#313567","t":"Après l’alinéa 6, insérer l'alinéa suivant :\n« Les travaux financés au titre du présent article doivent être conformes à un…"},{"u":"AMANR5L17PO419865B2037P0D1N000004","n":"CD4","no":"4","ex":"CION-DVP","et":"Retiré","se":"Retiré après publication","an":"M. Timothée Houssin","gc":"RN","gk":"#313567","t":"Compléter cet article par l’alinéa suivant :\n« III. - Le présent article entre en vigueur douze mois après la promulgation de la…"},{"u":"AMANR5L17PO419865B2037P0D1N000005","n":"CD5","no":"5","ex":"CION-DVP","st":"Retiré","et":"Discuté","se":"Retiré","an":"M. Emmanuel Blairy","gc":"RN","gk":"#313567","t":"Supprimer les alinéas 2 à 4."},{"u":"AMANR5L17PO419865B2037P0D1N000006","n":"CD6","no":"6","ex":"CION-DVP","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. Emmanuel Blairy","gc":"RN","gk":"#313567","t":"Compléter cet article par l'alinéa suivant :\n« Les travaux de reconstruction résiliente financés au titre d’une indemnisation…"},{"u":"AMANR5L17PO838901BTC2193P0D1N000006","n":"6","no":"6","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Sylvie Ferrer","gc":"LFI","gk":"#C00D0D","t":"I. - Supprimer les alinéas 2 à 4.\nII. - En conséquence, au début de l’alinéa 6, supprimer le mot :\n« Toutefois, ».","sid":"VTANR5L17V6063"},{"u":"AMANR5L17PO419865B2037P0D1N000007","n":"CD7","no":"7","ex":"CION-DVP","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. Emmanuel Blairy","gc":"RN","gk":"#313567","t":"Compléter cet article par l'alinéa suivant :\n« Les constructions antérieures à 1980 peuvent bénéficier d’une dérogation aux…"},{"u":"AMANR5L17PO838901BTC2193P0D1N000007","n":"7","no":"7","ex":"AN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Emmanuel Fernandes","gc":"LFI","gk":"#C00D0D","t":"I. - Rédiger ainsi l’alinéa 12 :\n« Pour l’application du présent chapitre, on entend par reconstruction résiliente la…"},{"u":"AMANR5L17PO419865B2037P0D1N000011","n":"CD11","no":"11","ex":"CION-DVP","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Timothée Houssin","gc":"RN","gk":"#313567","t":"À la fin de l’alinéa 3, supprimer les mots :\n« aux mesures mentionnées au 4° du II de l’article L. 562-1 du code de…"},{"u":"AMANR5L17PO419865B2037P0D1N000014","n":"CD14","no":"14","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Emmanuel Blairy","gc":"RN","gk":"#313567","t":"Supprimer l’alinéa 8."},{"u":"AMANR5L17PO419865B2037P0D1N000015","n":"CD15","no":"15","ex":"CION-DVP","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Timothée Houssin","gc":"RN","gk":"#313567","t":"Après l’alinéa 6, insérer l’alinéa suivant :\n« Lorsque le montant des travaux de réparation résiliente dépasse la valeur du bien…"},{"u":"AMANR5L17PO419865B2037P0D1N000016","n":"CD16","no":"16","ex":"CION-DVP","et":"Irrecevable 40","se":"Charge","an":"M. Timothée Houssin","gc":"RN","gk":"#313567"},{"u":"AMANR5L17PO419865B2037P0D1N000017","n":"CD17","no":"17","ex":"CION-DVP","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. Timothée Houssin","gc":"RN","gk":"#313567","t":"Après l’alinéa 6, insérer les deux alinéas suivants :\n« Lorsque des travaux de réparation résiliente sont prescrits ou financés…"},{"u":"AMANR5L17PO419865B2037P0D1N000018","n":"CD18","no":"18","ex":"CION-DVP","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Emmanuel Blairy","gc":"RN","gk":"#313567","t":"À l’alinéa 10, substituer aux mots :\n« la reconstruction ne peut »\nles mots :\n« les travaux de réduction de vulnérabilité ne…"},{"u":"AMANR5L17PO419865B2037P0D1N000019","n":"CD19","no":"19","ex":"CION-DVP","et":"Irrecevable","se":"Cavalier (45)","an":"M. David Magnier","gc":"RN","gk":"#313567"},{"u":"AMANR5L17PO838901BTC2193P0D1N000019","n":"19","no":"19","ex":"AN","st":"Non soutenu","et":"Discuté","se":"Non soutenu","an":"M. Thierry Tesson","gc":"RN","gk":"#313567","t":"Compléter cet article par l’alinéa suivant :\n« IV. - Les dispositions du présent article ne peuvent avoir pour effet de créer une…"},{"u":"AMANR5L17PO419865B2037P0D1N000020","n":"CD20","no":"20","ex":"CION-DVP","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. David Magnier","gc":"RN","gk":"#313567","t":"Compléter cet article par l’alinéa suivant :\n« Les mesures mentionnées au même 4° du II de l’article L. 562-1 du code de…"},{"u":"AMANR5L17PO419865B2037P0D1N000021","n":"CD21","no":"21","ex":"CION-DVP","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. David Magnier","gc":"RN","gk":"#313567","t":"Après l’alinéa 6, insérer l’alinéa suivant :\n« Ce dépassement ne peut excéder un plafond fixé par décret, proportionné au coût…"},{"u":"AMANR5L17PO419865B2037P0D1N000022","n":"CD22","no":"22","ex":"CION-DVP","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. David Magnier","gc":"RN","gk":"#313567","t":"Après l’alinéa 6, insérer l’alinéa suivant :\n« Lors de la conclusion du contrat d’assurance garantissant les dommages causés par…"},{"u":"AMANR5L17PO419865B2037P0D1N000023","n":"CD23","no":"23","ex":"CION-DVP","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. David Magnier","gc":"RN","gk":"#313567","t":"Après l’alinéa 6, insérer l’alinéa suivant :\n« Lors de la déclaration d’un sinistre consécutif à la reconnaissance de l’état de…"},{"u":"AMANR5L17PO419865B2037P0D1N000024","n":"CD24","no":"24","ex":"CION-DVP","st":"Retiré","et":"Discuté","se":"Retiré","an":"M. David Magnier","gc":"RN","gk":"#313567","t":"Compléter cet article par l’alinéa suivant :\n« Par dérogation à l’alinéa précédent, lorsque le coût estimé des travaux…"},{"u":"AMANR5L17PO419865B2037P0D1N000025","n":"CD25","no":"25","ex":"CION-DVP","st":"Retiré","et":"Discuté","se":"Retiré","an":"M. David Magnier","gc":"RN","gk":"#313567","t":"Compléter cet article par l’alinéa suivant :\n« En cas de dommages résultant d’une inondation ayant donné lieu à la reconnaissance…"},{"u":"AMANR5L17PO838901BTC2193P0D1N000027","n":"27","no":"27","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"Supprimer les alinéas 2 et 3."},{"u":"AMANR5L17PO419865B2037P0D1N000028","n":"CD28","no":"28","ex":"CION-DVP","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"Mme Sylvie Ferrer","gc":"LFI","gk":"#C00D0D","t":"I. - Supprimer les alinéas 2 à 4.\nII. - En conséquence, au début de l’alinéa 6, supprimer le mot :\n« Toutefois, »."},{"u":"AMANR5L17PO419865B2037P0D1N000032","n":"CD32","no":"32","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Nicolas Bonnet","gc":"EcoS","gk":"#77AA79","t":"À l'alinéa 3, après les mots :\n« cinq ans »,\ninsérer les mots :\n« et à condition que le contrat fixe les modalités d’évolution…"},{"u":"AMANR5L17PO419865B2037P0D1N000035","n":"CD35","no":"35","ex":"CION-DVP","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Auguste Evrard","gc":"RN","gk":"#313567","t":"À l’alinéa 6, substituer au mot :\n« reconstruction »\nles mots :\n« réduction de la vulnérabilité »."},{"u":"AMANR5L17PO838901BTC2193P0D1N000035","n":"35","no":"35","ex":"AN","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"Le Gouvernement","t":"I. - À l’alinéa 6, substituer aux mots :\n« de la chose assurée au moment du sinistre »,\nles mots :\n« des travaux de réparation à…"},{"u":"AMANR5L17PO838901BTC2193P0D1N000036","n":"36","no":"36","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Le Gouvernement","t":"Après l’alinéa 6, insérer l’alinéa suivant :\n« L’assureur ne peut conditionner le versement de l’indemnité à une réparation à…"},{"u":"AMANR5L17PO419865B2037P0D1N000037","n":"CD37","no":"37","ex":"CION-DVP","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Emmanuel Blairy","gc":"RN","gk":"#313567","t":"À la fin de l’alinéa 10, substituer aux mots :\n« aux mesures mentionnées au 4° du II de l’article L. 562-1 du code de…"},{"u":"AMANR5L17PO838901BTC2193P0D1N000037","n":"37","no":"37","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Le Gouvernement","t":"I. - Rédiger ainsi l’alinéa 10 :\n« Art. L. 125-4-1. - Les biens faisant l’objet d’une indemnité résultant de la garantie contre…"},{"u":"AMANR5L17PO838901BTC2193P0D1N000038","n":"38","no":"38","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Le Gouvernement","t":"I. - À l’alinéa 11, substituer au mot :\n« rénovation »\nle mot :\n« réparation ».\nII. - En conséquence, compléter le même alinéa 11…"},{"u":"AMANR5L17PO838901BTC2193P0D1N000039","n":"39","no":"39","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Le Gouvernement","t":"Supprimer les alinéas 13 à 16."},{"u":"AMANR5L17PO838901BTC2193P0D1N000040","n":"40","no":"40","ex":"AN","et":"Irrecevable","se":"Sous-amendement (98)","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE"},{"u":"AMANR5L17PO838901BTC2193P0D1N000041","n":"41","no":"41","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"À l’alinéa 6, substituer aux mots :\n« du ou des sinistres suivants »,\nles mots :\n« du sinistre en question et des sinistres…"},{"u":"AMANR5L17PO419865B2037P0D1N000043","n":"CD43","no":"43","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"I. - Au début de l’alinéa 3, substituer aux mots :\n« Par dérogation au premier alinéa de l’article L. 113-15-2, l’ »\nle mot :\n«…"},{"u":"AMANR5L17PO838901BTC2193P0D1N000043","n":"43","no":"43","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"I. - À l’alinéa 6, substituer aux mots :\n« si elle »,\nles mots :\n« ou des travaux de réparation à l’identique de celle-ci, si…","sid":"VTANR5L17V6064"},{"u":"AMANR5L17PO419865B2037P0D1N000050","n":"CD50 (Rect)","no":"50","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"Compléter cet article par l’alinéa suivant :\n« III. - Le présent article entre en vigueur six mois après la promulgation de la…"},{"u":"AMANR5L17PO419865B2037P0D1N000051","n":"CD51","no":"51","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"Supprimer l’alinéa 8."},{"u":"AMANR5L17PO419865B2037P0D1N000052","n":"CD52","no":"52","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"I. - Après l’alinéa 6, insérer les quatre alinéas suivants :\n« 3° Après l’article L. 125-4, il est inséré un article L. 125-4-1…"},{"u":"AMANR5L17PO419865B2037P0D1N000053","n":"CD53","no":"53","ex":"CION-DVP","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"Après l’alinéa 6, insérer les deux alinéas suivants :\n« 3° Après l’article L. 121-17, il est inséré un article L. 121-18 ainsi…"},{"u":"AMANR5L17PO419865B2037P0D1N000057","n":"CD57","no":"57","ex":"CION-DVP","st":"Retiré","et":"Discuté","se":"Retiré","an":"M. Pierre Meurin","gc":"RN","gk":"#313567","t":"I. - À l’alinéa 3, après les mots :\n« ou rénovés »,\ninsérer les mots :\n« que de façon résiliente ».\nII. - En conséquence, à la…"}],"apres-art-2":[{"u":"AMANR5L17PO838901BTC2193P0D1N000010","n":"10","no":"10","ex":"AN","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. Auguste Evrard","gc":"RN","gk":"#313567","t":"L'article L. 125-5 du code de l'environnement est complété par six alinéas ainsi rédigés :\n« Lorsqu'un plan de prévention des…"},{"u":"AMANR5L17PO419865B2037P0D1N000029","n":"CD29","no":"29","ex":"CION-DVP","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. Emmanuel Fernandes","gc":"LFI","gk":"#C00D0D","t":"Après le 4° du II de l’article L. 562-1 du code de l’environnement, sont insérés six alinéas ainsi rédigés :\n« Pour l’application…"},{"u":"AMANR5L17PO419865B2037P0D1N000038","n":"CD38","no":"38","ex":"CION-DVP","et":"Irrecevable 40","se":"Charge","an":"Mme Sandrine Rousseau","gc":"EcoS","gk":"#77AA79"},{"u":"AMANR5L17PO419865B2037P0D1N000039","n":"CD39","no":"39","ex":"CION-DVP","et":"Irrecevable 40","se":"Charge","an":"Mme Sandrine Rousseau","gc":"EcoS","gk":"#77AA79"}],"art-3":[{"u":"AMANR5L17PO838901B2193P0D2N000001","n":"1 (Rect)","no":"1","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"I. - À la fin de l’alinéa 4, substituer aux mots :\n« dont la valeur assurée dépasse vingt millions d’euros »\nles mots :\n«…"},{"u":"AMANR5L17PO838901BTC2193P0D1N000002","n":"2","no":"2","ex":"AN","st":"Non soutenu","et":"Discuté","se":"Non soutenu","an":"M. Charles Sitzenstuhl","gc":"EPR","gk":"#7B4591","t":"Supprimer cet article."},{"u":"AMANR5L17PO838901BTC2193P0D1N000003","n":"3 (Rect)","no":"3","ex":"AN","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. Sébastien Humbert","gc":"RN","gk":"#313567","t":"Supprimer les alinéas 3 à 6."},{"u":"AMANR5L17PO419865B2037P0D1N000008","n":"CD8","no":"8","ex":"CION-DVP","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. Emmanuel Blairy","gc":"RN","gk":"#313567","t":"Supprimer cet article."},{"u":"AMANR5L17PO838901BTC2193P0D1N000008","n":"8","no":"8","ex":"AN","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. Vincent Descoeur","gc":"DR","gk":"#8CB0DC","t":"Supprimer cet article."},{"u":"AMANR5L17PO838901BTC2193P0D1N000009","n":"9","no":"9","ex":"AN","et":"Irrecevable 40","se":"Charge","an":"M. Auguste Evrard","gc":"RN","gk":"#313567"},{"u":"AMANR5L17PO838901BTC2193P0D1N000011","n":"11","no":"11","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Emmanuel Fernandes","gc":"LFI","gk":"#C00D0D","t":"I. - À la fin de l’alinéa 4, substituer aux mots :\n« suivants lorsqu’ils sont situés dans une zone exposée aux risques définie…","sid":"VTANR5L17V6066"},{"u":"AMANR5L17PO419865B2037P0D1N000012","n":"CD12","no":"12","ex":"CION-DVP","et":"Irrecevable 40","se":"Gage","an":"M. Timothée Houssin","gc":"RN","gk":"#313567"},{"u":"AMANR5L17PO419865B2037P0D1N000013","n":"CD13","no":"13","ex":"CION-DVP","st":"Retiré","et":"Discuté","se":"Retiré","an":"M. Timothée Houssin","gc":"RN","gk":"#313567","t":"À l’alinéa 4, substituer au mot :\n« vingt »\nle mot :\n« vingt-et-un »."},{"u":"AMANR5L17PO838901BTC2193P0D1N000013","n":"13","no":"13","ex":"AN","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. Emmanuel Blairy","gc":"RN","gk":"#313567","t":"Supprimer cet article."},{"u":"AMANR5L17PO838901BTC2193P0D1N000014","n":"14","no":"14","ex":"AN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Emmanuel Blairy","gc":"RN","gk":"#313567","t":"Compléter l’alinéa 5 par les mots :\n« dont la valeur assurée dépasse un million trois cent mille euros »."},{"u":"AMANR5L17PO838901BTC2193P0D1N000018","n":"18","no":"18","ex":"AN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Nicolas Bonnet","gc":"EcoS","gk":"#77AA79","t":"Compléter cet article par l’alinéa suivant :\n« 3° Les biens à usage locatif. »"},{"u":"AMANR5L17PO838901BTC2193P0D1N000024","n":"24","no":"24","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"A l'alinéa 4, supprimer le mot :\n« librement »."},{"u":"AMANR5L17PO838901BTC2193P0D1N000025","n":"25","no":"25","ex":"AN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"Compléter l’alinéa 5 par les mots :\n« soumises à la taxe d’habitation sur les résidences secondaires et dont la valeur assurée…"},{"u":"AMANR5L17PO838901BTC2193P0D1N000026","n":"26","no":"26","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Fabrice Barusseau","gc":"SOC","gk":"#F5B4CE","t":"I. - Compléter la première phrase de l’alinéa 2 par les mots :\n« , selon des modalités définies par décret ».\nII. - En…"},{"u":"AMANR5L17PO419865B2037P0D1N000027","n":"CD27","no":"27","ex":"CION-DVP","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"M. Emmanuel Fernandes","gc":"LFI","gk":"#C00D0D","t":"I. - Après le mot :\n« biens »,\nrédiger ainsi la fin de l’alinéa 2 :\n« dont la valeur assurée dépasse vingt millions d’euros…"},{"u":"AMANR5L17PO838901BTC2193P0D1N000028","n":"28","no":"28","ex":"AN","et":"Irrecevable","se":"Sous-amendement (98)","an":"M. 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Indépendants, Outre-mer et Territoires","couleur":"#FFD96F"}},"mainAuthor":{"id":"PA840829","label":"Fabrice Barusseau","qualite":"auteur"},"enjeu":{"resume":"Adoptée en première lecture par l'Assemblée nationale le 8 avril 2026 (texte n° 266), cette proposition de loi porte sur l'adaptation au changement climatique et l'assurance des catastrophes naturelles. L'article 1er inscrit dans la loi le Plan national d'adaptation (Pnacc) et une trajectoire de réchauffement de référence (Tracc, projetée au moins jusqu'en 2100), révisés tous les cinq ans après avis publics du Conseil national de la transition écologique et du Haut Conseil pour le climat ; la prise en compte de la Tracc dans les plans locaux d'urbanisme n'est pas rétroactive pour les PLU déjà prescrits. L'article 2 dispose que les biens indemnisés au titre des catastrophes naturelles ne peuvent être réparés ou reconstruits que de manière résiliente, dans la limite du montant de l'indemnité, l'assureur faisant établir un rapport d'expertise ; en cas de refus de l'assuré, une franchise majorée s'applique aux sinistres suivants, y compris en cas de changement d'assureur (décret), avec une entrée en vigueur six mois après promulgation. L'article 3 prévoit un réexamen quinquennal du plafond de la surprime. L'article 4 comporte des gages financiers, sans portée normative propre.","dynamique":"Adopté le 8 avril 2026 : 70 voix pour, aucune contre, 27 abstentions. Huit groupes ont voté pour et trois se sont abstenus.","arguments":{"pour":[{"qui":"Fabrice Barusseau, auteur de la proposition de loi (Socialistes et apparentés)","texte":"Défend le principe d’une reconstruction résiliente après une catastrophe naturelle, contre une reconstruction à l’identique même lorsque le risque est avéré : « Reconstruire à l’identique, c’est organiser la prochaine catastrophe. »","source":"Compte rendu de la 1re séance du 8 avril 2026 (Assemblée nationale)","url":"https://www.assemblee-nationale.fr/dyn/17/comptes-rendus/seance/CRSANR5L17S2026O1N195#4057775"},{"qui":"Fabrice Barusseau, auteur de la proposition de loi (Socialistes et apparentés)","texte":"Justifie la modulation de la surprime proposée à l’article 3, qu’il dit ciblée et équilibrée : « Elle permet de moduler la surprime pour les résidences secondaires et les biens de très grande valeur en zones exposées. Elle ne touche pas aux résidences principales ; elle introduit un seuil élevé et elle prévoit une réévaluation pour éviter les effets brutaux. »","source":"Compte rendu de la 1re séance du 8 avril 2026 (Assemblée nationale)","url":"https://www.assemblee-nationale.fr/dyn/17/comptes-rendus/seance/CRSANR5L17S2026O1N195#4057786"},{"qui":"Mathieu Lefèvre, ministre délégué chargé de la Transition écologique (Ensemble pour la République)","texte":"Met en garde contre l’effet du texte sur le prix des polices d’assurance et rappelle que « le taux de la surprime Cat nat a d’ores et déjà récemment augmenté, passant de 12 à 20 % » au 1er janvier 2025.","source":"Compte rendu de la 2e séance du 8 avril 2026 (Assemblée nationale)","url":"https://www.assemblee-nationale.fr/dyn/17/comptes-rendus/seance/CRSANR5L17S2026O1N196#4056911"}],"contre":[],"reserves":[{"qui":"Cour des comptes","texte":"Dans un rapport contemporain sur le même sujet (non un avis rendu sur ce texte précis), consacré le 27 avril 2026 à la soutenabilité financière de l'assurance des catastrophes naturelles, elle formule huit recommandations portant notamment sur un observatoire de l'assurabilité, les tests de résistance de la Caisse centrale de réassurance et le réexamen quinquennal de la surprime.","source":"Cour des comptes (ccomptes.fr)","url":"https://www.ccomptes.fr/fr/publications/lassurance-des-catastrophes-naturelles-un-enjeu-de-soutenabilite-financiere"},{"qui":"Mathieu Lefèvre, ministre délégué chargé de la Transition écologique (Ensemble pour la République)","texte":"Exprime une réserve sur l’insécurité juridique du texte : le premier article, selon lui, « fait lui aussi peser un risque juridique significatif sur les PLU, dans un contexte de forte augmentation des contentieux », alors que ces documents doivent déjà intégrer l’objectif zéro artificialisation nette.","source":"Compte rendu de la 2e séance du 8 avril 2026 (Assemblée nationale)","url":"https://www.assemblee-nationale.fr/dyn/17/comptes-rendus/seance/CRSANR5L17S2026O1N196#4057457"},{"qui":"Des députés des groupes Ensemble pour la République (EPR), de la droite et du Rassemblement national","texte":"Quatre amendements de suppression de l'article 3, qui fixe le régime de la surprime et son plafond, ont été déposés : en commission par Emmanuel Blairy (Rassemblement national), puis en séance par Charles Sitzenstuhl (Ensemble pour la République), Vincent Descoeur (Droite Républicaine) et de nouveau Emmanuel Blairy. Trois ont été rejetés, le quatrième n'a pas été soutenu.","source":"Dossier législatif de l'Assemblée nationale, amendements déposés sur l'article 3","url":"https://www.assemblee-nationale.fr/dyn/17/dossiers/DLR5L17N53067"}]},"sources":[{"label":"Scrutin public n° 6069, Assemblée nationale (8 avril 2026)","url":"https://www.assemblee-nationale.fr/dyn/17/scrutins/6069"},{"label":"Fiche du député Philippe Fait, Assemblée nationale","url":"https://www.assemblee-nationale.fr/dyn/deputes/PA794658"},{"label":"Dossier législatif Sénat, PPL n° 530 (2025-2026)","url":"https://www.senat.fr/dossier-legislatif/ppl25-530.html"},{"label":"Cour des comptes, L'assurance des catastrophes naturelles : un enjeu de soutenabilité financière (27 avril 2026)","url":"https://www.ccomptes.fr"}],"v":2,"source":"cure-verifie"},"explain":{"scrutinId":"VTANR5L17V6069","version":2,"titre":"l'ensemble de la proposition de loi visant à reconnaître une politique nationale d'adaptation au changement climatique et à adapter les mécanismes d'assurance (première lecture).","synthese":"**Synthèse pédagogique** : Le texte voté concerne la création d’une **politique nationale d’adaptation au changement climatique** et la modification des **mécanismes d’assurance**. Il a été **adopté** par l’Assemblée nationale le 8 avril 2026, avec 70 députés pour, 0 contre et 27 abstentions. La majorité des groupes politiques, notamment **EPR, LFI-NFP, SOC, ECOS, DEM et HOR**, se sont prononcés en faveur du texte. **RN** a choisi l’abstention. Le vote reflète un consensus large sur l’importance de l’adaptation climatique et des réformes liées à l’assurance.","perFamille":{"DEM":"a voté pour","ECOS":"a voté pour","EPR":"a voté pour","HOR":"a voté pour","LFI-NFP":"a voté pour","SOC":"a voté pour","RN":"s'est abstenu·e"},"source":"ollama/qwen3:14b"},"objMoyens":{"texte":"Adaptation au changement climatique et assurance","titreOfficiel":"proposition de loi visant à reconnaître une politique nationale d'adaptation au changement climatique et à adapter les mécanismes d'assurance","contexte":"Proposition de loi de Fabrice Barusseau, déposée le 28 octobre 2025. L'Assemblée nationale l'a adoptée en première lecture le 8 avril 2026.","objectif":"Selon son auteur, reconnaître dans la loi une politique nationale d'adaptation au changement climatique et adapter les mécanismes d'assurance. L'exposé des motifs prolonge la mission d'information conduite avec Philippe Fait (rapport n° 1525), retient la trajectoire de référence pour l'adaptation fondée sur une hypothèse de 4 degrés Celsius de plus en France à l'horizon 2100, et relève que les coûts liés aux catastrophes naturelles ont été multipliés par six depuis les années 1980. Il énonce vouloir concilier solidarité territoriale et incitations économiques, pour maintenir une couverture d'assurance là où elle est la plus vitale sans qu'elle couvre indéfiniment des situations de vulnérabilité non traitées.","moyens":[{"label":"Inscrire le plan national d'adaptation dans le code de l'environnement","detail":"Un titre X nouveau du livre Ier et un article L. 192 reconnaissent le plan national d'adaptation au changement climatique, qui définit par voie réglementaire la stratégie de la Nation pour réduire ses vulnérabilités physiques, économiques et sociales et qui est révisé au moins tous les cinq ans."},{"label":"Instituer une trajectoire de référence pour l'adaptation","detail":"Un article L. 193 institue cette trajectoire, dont le plan national doit tenir compte, et en fait une référence pour les politiques d'urbanisme et d'aménagement de l'État, des collectivités et des organismes publics."},{"label":"Encadrer la résiliation après une indemnisation catastrophe naturelle","detail":"Un nouvel article L. 113-15-2-1 du code des assurances interdit à l'assuré d'exercer son droit de résiliation pendant un délai fixé par le contrat, qui ne peut excéder cinq ans, après le versement par l'assureur d'une indemnité finançant la mise en conformité du bien à la suite de la reconnaissance de l'état de catastrophe naturelle."},{"label":"Ouvrir la liberté tarifaire sur la prime catastrophe naturelle en zone exposée","detail":"À l'article L. 125-2 du code des assurances, les entreprises d'assurance peuvent fixer librement le taux de la prime ou cotisation additionnelle, dans des conditions définies par décret en Conseil d'État, pour les résidences secondaires et les biens professionnels situés dans une zone exposée aux risques définie par les plans de prévention des risques naturels prévisibles."}]},"recoExperts":null,"eli":null,"promulgation":null,"commissionAmdt":{"nTotal":56,"nAdopte":20,"commissions":["Développement durable"],"leg":17},"rapportsDossier":[{"u":"RAPPANR5L17B2193","commission":"Commission du développement durable et de l'aménagement du territoire","date":"2025-12-03","num":"2193","leg":17,"type":"permanent","rapporteurs":[{"id":"PA840829","label":"Fabrice Barusseau"}]}],"censures":null,"voteRef":{"id":"VTANR5L17V6069","titre":"l'ensemble de la proposition de loi visant à reconnaître une politique nationale d'adaptation au changement climatique et à adapter les mécanismes d'assurance (première lecture).","date":"2026-04-08","sortCode":"adopté","pour":70,"contre":0,"abstention":27},"voteAggregat":{"PO845401":{"pour":0,"contre":0,"abstention":19,"nonVotant":1,"absent":102,"positionMajoritaire":"abstention","nombreMembres":122},"PO845407":{"pour":11,"contre":0,"abstention":0,"nonVotant":1,"absent":79,"positionMajoritaire":"pour","nombreMembres":91},"PO845413":{"pour":9,"contre":0,"abstention":2,"nonVotant":0,"absent":60,"positionMajoritaire":"pour","nombreMembres":71},"PO845419":{"pour":20,"contre":0,"abstention":0,"nonVotant":0,"absent":49,"positionMajoritaire":"pour","nombreMembres":69},"PO845425":{"pour":0,"contre":0,"abstention":3,"nonVotant":0,"absent":45,"positionMajoritaire":"abstention","nombreMembres":48},"PO845439":{"pour":13,"contre":0,"abstention":0,"nonVotant":0,"absent":25,"positionMajoritaire":"pour","nombreMembres":38},"PO845454":{"pour":5,"contre":0,"abstention":0,"nonVotant":0,"absent":32,"positionMajoritaire":"pour","nombreMembres":37},"PO845470":{"pour":9,"contre":0,"abstention":0,"nonVotant":0,"absent":26,"positionMajoritaire":"pour","nombreMembres":35},"PO845485":{"pour":1,"contre":0,"abstention":0,"nonVotant":0,"absent":21,"positionMajoritaire":"pour","nombreMembres":22},"PO845514":{"pour":1,"contre":0,"abstention":0,"nonVotant":0,"absent":16,"positionMajoritaire":"pour","nombreMembres":17},"PO872880":{"pour":0,"contre":0,"abstention":3,"nonVotant":0,"absent":14,"positionMajoritaire":"abstention","nombreMembres":17},"PO840056":{"pour":1,"contre":0,"abstention":0,"nonVotant":0,"absent":9,"positionMajoritaire":"pour","nombreMembres":10}},"voteGroupes":[{"id":"PO845413","code":"LFI","libelle":"La France insoumise - 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