Condominium charges: +4.7% in 2025, insurance in the spotlight

    In short: according to the Matera barometer, reported in the press, condominium charges rose 4.7% on average in France in 2025 (about €43 more per unit), driven by insurance, whose premiums rose 16%. The main cause cited: a growing number of climate-related claims.
  

The figures

Condominium charges and insurance trend in 2025
Indicator	2025 value
Condominium charges (France average)	+4.7% (≈ +€43 per unit)
Insurance premiums	+16%
Charges in Île-de-France	+4.1%
Maintenance contracts	+12%

This data comes from the Matera barometer, a condominium-management platform, reported by Journal de l'Économie (18 March 2026) and MoneyVox (13 April 2026). We could not consult the barometer itself; read the figures as those of a panel of client condominiums, not an official national statistic.

Why insurance is soaring

The cause cited is the growing number of claims linked to climate hazards: floods, drought, fires. The natural-disaster surcharge reportedly rose from 12% to 20% in 2025, and maintenance contracts also increased (+12%). Older or distressed condominiums, or those with unpaid charges or heavy claims history, are harder to insure. In Paris, where one main residence in two predates 1946, increases of up to 21% are reported.

What does building insurance cost?

Orders of magnitude vary by source, which is why comparing is worthwhile:

About €120 per unit per year for condominiums analysed by Matera, sometimes under €100 beyond 50 units;
€150 to €400 per unit per year according to comparison sites;
strong geographic gaps: about €2/m² in Paris against €0.55/m² in Brest, per brokers.

How to limit the increase

Renegotiate every year and ask for three quotes, comparing cover, deductibles and ceilings.
Declare the exact floor area to avoid any false declaration.
Give the competitive tender to the syndical council or ask the syndic; some syndics have capital ties with insurers or brokers, as the ARC points out.
Vote at the meeting that the council's opinion must be sought before any change to the contract.
If every insurer refuses, refer to the Bureau central de tarification after a written refusal or 15 days without reply.

Note: third-party liability cover is compulsory for the association; building multi-risk insurance is only recommended, but very common.

Sources

Frequently Asked Questions (FAQ)

By how much did condominium charges rise in 2025?
By 4.7% on average in France according to the Matera barometer, about €43 per unit.

Why is condominium insurance rising?
Mainly because of more climate-related claims; premiums rose 16% in 2025 according to the barometer.

What if no insurer will cover the condominium?
Refer to the Bureau central de tarification after a written refusal or 15 days without reply to a registered request.

Track your charges and contracts

With Syndic Digital, centralise your condominium's budget, charges, insurance contracts and reminders.

Discover the app

Informational article based on press reports (Journal de l'Économie, MoneyVox) of the Matera barometer; data not checked against the primary source. Not advice.