Climate change is one of the great challenges of the 21st century.
Since twenty years all studies attest his evidence and the extent of its repercussions. As a result of human activity, climate change and a major problem is posed to mankind – "perhaps the most important for millennia". A number of consequences therefrom and manifest themselves already, including with the increase in recent decades in the number of natural disasters.
Extreme natural events have always existed and "have always had varying political, economic and social impacts according to the periods, regions and societies. On the other hand, natural disasters they generate seem to be increasing since the 1970s, with a continuous peak since the end of the 1980s. The causes are to be found both in the aggravation of the hazards, including related to climate change and in the most important exhibition of issues, through growing urbanization in areas at risk.
In addition, human and economic issues seem to be more exposed than in the past to natural events, thus making the inevitable disaster.
Natural elements generate hardly controllable energy and power. Whether it's lightning, waves of a tsunami or flood runoff, man cannot always control or overcome by the only technology. With the worsening of phenomena related to climate change, on all continents, man must adapt to it, to deal with the unknown.
Adaptation to climate change and its consequences becomes urgent. Insurers and Governments must work together in this direction. But everyone must take responsibility, the involvement of all stakeholders is needed, each person must become aware of its vulnerability to global changes to limit its impact.
 OECD, global challenges for the 21st century – climate change, energy and democratic institutions, speech by Angel Gurría, Secretary-General of the OECD, to the annual conference of the club of Madrid, October 21, 2006, [en ligne]www.oecd.org (12/08/2014).
 LE TREUT (h.), words of ROUSSET (a.) in provide to act, the Aquitaine region anticipated climate change, PU Bordeaux, LGPA-ed, Pessac, 2013, p9.
 SURVILLE (F.) (eds.), and al., the Furies of nature, climate deregulation and natural disasters, the grows bright, Saintes 2012, p. 305.
 See graph SWISS Re, natural and technical disasters in 2013: floods and hail cause important damage in 2013; Haiyan strikes the Philippines, SIGMA No. 1/2014, p3, http://ww[en ligne]w.apref.org/sites/default/files/espacedocumentaire/2014-02-28_sigma1_2014_cat.pdf (23/12/2014)
 PRZYLUSKI (V.), HALEGATTE (s.), management of natural risks, lesson of storm Xynthia, Quae, 2012, p. 10.
 Ibid., p. 10.
 CHUAH (C.) (Eds.), Carmen-FABREGOULE (c.), (eds.), preface LALONDE (b.), in climate change and challenge of the law, acts of the day of study from 24 / 03 / 2009, ed. Noisy, Brussels 2010, p15, "for the first time in modern times dedicated to continuous progress, the aftermath only sing more. It is the unknown. »