[Policy Brief] Coastal zones are under pressure from climate change: Transformational adaptation is needed 

Rising seas. Intensifying storms. A changing coastline. The impacts of climate change are no longer distant threats—they are here, and they are reshaping Europe’s coastal regions. 

By 2050, 0.6 – 1.75 million Europeans will be affected by coastal hazards, yet adaptation efforts remain fragmented and underfunded. The question isn’t whether we need action—it’s how fast we can scale up solutions. 

The policy brief from CoCliCo, endorsed by the PROTECT, Score, and Rest-Coast projects, outlines key messages for policy and decision-makers to address European coastal risks. Here is a summary of the key messages:  

Coastal zones demand major transformations 

European coastal zones have reached a critical point due to the combined pressures of climate change and coastal development. Urgent adaptation decisions are essential to safeguard communities, economies, and ecosystems. 

  • In many locations, the limits of current adaptation strategies are being tested, prompting a necessary reassessment of long-standing coastal management practices. 
  • While adaptation practitioners are exploring innovative solutions, these efforts often fall short of the radical transformations required to address the accelerating impacts of sea-level rise. 
  • The evidence has been clear for decades: action can no longer be delayed. 
     

Broad-scale climate services for coastal adaptation are ready for implementation 

The CoCliCo project has demonstrated that a European-scale core climate service for coastal adaptation is possible and ready to be implemented. 

  • These climate services are designed to support experienced adaptation practitioners and those newly addressing coastal risk. 
  • Data collection and modelling advances are making climate services more precise and actionable, providing a stronger foundation for decision-making. 
  • However, sustained institutional and financial commitment will be essential to reach full operational capacity. 
     

A dedicated European Coastal Climate Service can help make adaptation happen  

Climate services play a crucial role in enabling effective coastal adaptation by providing the knowledge needed for informed decision-making by public authorities, businesses, and communities. However, other key enablers are also necessary, including strong governance, adequate financing, and an inclusive public dialogue that prioritizes equity and justice. 

  • CoCliCo’s research highlights that multiple adaptation pathways are possible. Still, past decisions, such as constructing hard coastal defences, coastal floodplain development, and historical greenhouse gas emissions, continue to shape and constrain today’s choices. 
  • Coastal adaptation presents a unique opportunity to rethink coastal zone management, integrating climate change mitigation, adaptation to its impacts, and broader sustainability objectives. 
     

The path forward is clear: investing in a European Coastal Climate Service and embedding adaptation into policy and governance frameworks will be critical to ensuring resilient coastal futures

The science is clear. The risks are increasing. The only question is whether decision-makers will act in time. 

Read the full CoCliCo Policy Brief here:

ℹ️ Policy brief by CoCliCo, and endorsed by the PROTECT, SCORE – Smart Control of the Climate Resilience in European Coastal Cities, and REST-COAST projects  

✍ Authors: Gonéri Le Cozannet, Paul Sayers, Robert Nicholls, Jochen Hinkel, Iñigo Losada, Angélique Melet, Arjen Luijendijk, Elco Koks, Daniel Lincke, Eva Loukogeorgaki, Gianmaria Sannino, Athanasios Vafeidis, Carme Machí Castañer, Etienne Kras, Melisa Menendez, Alexandra Toimil Silva, Vanessa Völz, Rémi Thiéblemont, Vincent Bascoul, Hedda Bonatz, Edmund Penning-Rowsell, Susana Romao, Pauline Douillac, Gus Williams

CoCliCo has received funding from the European Union’s Horizon 2020 research and innovation program under grant agreement No 101003598 

Today is the first-ever World Day for Glaciers. Here are key recommendations to protect our water.

The cryosphere—comprising glaciers, ice sheets, and sea ice—plays a crucial role in regulating the Earth’s climate system. However, climate change is accelerating ice loss, leading to rising sea levels that threaten coastal communities worldwide.

The PROTECT policy brief, supported by CoCliCo and OCEAN:ICE, underscores the need for a coordinated global response. Now is the time to accelerate climate action and invest in sustainable, long-term solutions to protect our coastal regions and freshwater resources.

  1. Glaciers will keep losing mass, but we decide how fast and how much
  2. Every glacierized region evolves differently under climate change, and so do the impacts
  3. Ice shelf ocean melting and iceberg calving control the accelerated mass loss of the Antarctic Ice Sheet
  4. Future sea level: the enduring legacy of Antarctic ice loss
  5. The Greenland Ice Sheet is losing its protective firn buffer, accelerating mass loss.
  6. Regional sea level change is different from the global average
  7. Sea level is committed to rise until 2300, but we can influence how much and how fast
  8. Navigating uncertainty: adapting to sea-level rise with flexible strategies
  9. Impacts and adaptation strategies for sea-level rise by 2150
  10. Shaping tomorrow’s coastlines: the long-term impact of sea-level rise

Adapting to the Changing Cryosphere and Rising Sea Levels: Key Messages

  1. Mitigation is Critical: Reducing greenhouse gas emissions can slow down glacier and ice sheet mass loss, preserving essential water resources and giving coastal communities more time to adapt to rising seas.
  2. Adaptation is Urgent: The impacts on water availability and coastal regions are inevitable, making proactive adaptation strategies essential.
  3. Regional Variability Matters: Climate impacts vary widely by region, necessitating tailored responses to address specific challenges.
  4. Uncertainties Are Not Barriers to Action: Despite uncertainties in projections, decision-making frameworks exist to guide effective adaptation strategies.

Adapting to the Changing Cryosphere and Rising Sea Levels: Key Recommendations for Action

1. Integrate Glaciers and Freshwater Resource Modelling

  • Over a billion people depend on glacier-fed water systems. Improved hydrological models are needed to predict and manage freshwater availability.
  • Governments and research institutions should invest in developing integrated models to ensure sustainable water management.

2. Use Regional Sea-Level Rise Projections for Planning

  • Global mean sea-level rise projections mask significant regional variations. In some areas, sea levels may rise up to 20% more than the global average.
  • Utilizing tools such as NASA’s sea-level projection tool can aid policymakers in designing localized adaptation strategies.

3. Enhance Monitoring of Ice Sheet Dynamics

  • Antarctic and Greenland ice sheet mass loss will contribute to sea-level rise for centuries, even under low-emission scenarios.
  • Improved monitoring of processes such as firn buffering, ice shelf melting, and iceberg calving is crucial for refining climate models.

4. Implement Flexible Adaptation Strategies

  • Coastal adaptation must incorporate a long-term perspective, considering scenarios beyond 2150.
  • Flexible, multi-step decision-making approaches allow for adaptive responses to emerging climate data.
  • Innovative solutions, such as floating structures and managed relocation, should be explored as part of long-term coastal resilience planning.

5. Strengthen International Collaboration

  • Addressing sea-level rise and cryosphere changes requires global cooperation in research, policy development, and resource allocation.
  • Knowledge-sharing initiatives can enhance regional preparedness and response strategies.

A Call to Action

The scientific consensus is clear: immediate and sustained action is necessary to mitigate the loss of ice sheets and glaciers, reduce future sea-level rise, and safeguard communities worldwide. By integrating science-based adaptation strategies and mitigation efforts, policymakers and stakeholders can build resilience against the inevitable changes to our planet’s cryosphere.

Insurance Risk & Climate Change: New Report For Ministers

On April 2nd, three experts, Thierry Langreney, Myriam Mérad, and Gonéri Le Cozannet (coordinator of CoCliCo), presented a report on insurance and climate change to the ministers responsible for Ecology and Economics in France, Christophe Béchu and Bruno Le Maire. 

This comprehensive report delves into the adaptation and mitigation challenges facing the insurance sector in France, exploring the issue’s financial, economic, and social dimensions.

This report presents 11 main objectives accompanied by 37 recommendations aimed at improving France’s insurance policies concerning natural disasters and climate change. These objectives cover various aspects, such as:

  • Ensuring financial sustainability
  • Supporting poor households in high-risk areas
  • Preserving risk-sharing across territories
  • Protecting against extreme weather events
  • Guiding insurers’ prevention actions
  • Strengthening prevention financing
  • Investing in risk awareness
  • Developing a national association for risk prevention. 

Key Recommendations

The recommendations propose specific measures, including adjusting surcharge rates, improving risk mapping, enhancing prevention incentives, standardizing reinsurance terms, and promoting green insurance offerings, among others.

A key recommendation from the report is creating a harmonized, broad-scale multi-hazard map to address major climate risks in France, particularly coastal flooding. This map will serve multiple purposes:

  • Assessing whether insurers are withdrawing from high-risk areas.
  • Establishing a taxation mechanism to incentivize insurers to continue coverage in high-risk areas and penalize withdrawals.
  • Identifying areas where strategic investments in accommodation are essential.
  • Strengthening regulations on accommodation and sustainable land use management.
  • Offering support to vulnerable private property owners through public funding for risk prevention.

CoCliCo’s work on hazard and risk mapping, especially regarding coastal flooding, can significantly contribute to developing such a comprehensive map. Importantly, the insights and recommendations from this report are likely applicable in other countries, particularly those with insurance industries backed by public reinsurers, such as Spain.

This user story exemplifies how broad-scale flood mapping, despite its inherent uncertainties, can be crucial in supporting sector-specific adaptation strategies and policy development, such as in the insurance sector.

Read, Listen, or Watch to Learn More

To learn more about this report and its implications, you can access it here (in French only)

If you prefer to listen or watch, Gonéri presented the key findings and implications of the report on radio and national television. Both are in French. 

Full List of Objectives: 

Objective 1: Ensure the recovery and sustainability of the compensation scheme for natural disasters.

  • Increase Cat Nat surcharge rates rapidly to bolster financial resources by €1.3 billion annually.
  • Establish an automatic indexation mechanism for the surcharge rate to address climate change effects.
  • Index legal deductibles to the construction cost index.

Objective 2: Consolidate areas of major exposure to climate risks to enhance accountability.

  • Consolidate a map of high-exposure areas shared between the State, CCR (French Public Reinsurer), and insurers.
  • Strengthen incentives for risk prevention in high-exposure zones for professional risks, second homes, and rental properties.
  • Adapt and standardize CCR reinsurance terms for insurers in overseas areas.

Objective 3: Preserve risk-sharing guaranteed by the “Cat Nat” regime across the entire territory.

  • Develop a mechanism for levelling technical margins between low- and high-exposure areas.
  • Disseminate a comparison of home insurance market shares nationally and in high-exposure areas.
  • Advocate for regulatory clarity at the European level to avoid demutualization in highly exposed areas.

Objective 4: Protect the State and CCR against the consequences of extreme weather events.

  • Consider retrocession to private reinsurers for peak risks while respecting governance agreements.
  • Raise regulatory ceilings for equalization provisions.

Objective 5: Guide insurers’ prevention actions with an appropriate adaptation catalogue for the French context.

Objective 6: Strengthen financing to prevent major natural hazards and anticipate coastal adaptation financing.

  • Prioritize investments and subsidies from FPRNM (national funding scheme for risk prevention) to maximize returns.
  • Create a new fund for individual prevention measures with a 12% levy on additional contributions.
  • Extend the fund’s scope to include R&D and resilience diagnostics.
  • Study the creation of a fund for relocating properties exposed to erosion.
  • Support public and private insurance investment in expertise, R&D, and nature-based solutions.

Objective 7: Invest in developing risk awareness and appropriate prevention measures.

  • Strengthen training for local officials, professionals, and decentralized state services in natural disaster risk prevention.
  • Strengthen data sharing and disaster risk awareness
  • Improve the granularity of information, ergonomics, and recommendations on the Géorisks platform.

Objective 8: Consolidate a national prevention association for natural risks with the contribution of insurers

  • Strengthen and expand the AFPCNT (a national association on risk prevention) or drive an initiative for insurers.
  • Facilitate access for individuals to risk and resilience diagnostics, public aid, and financing solutions via a management platform.
  • The association promotes mechanisms for acculturation and training in climate risks and resilience.

Objective 9: Develop and support investment in building resilience

  • Strengthen laws to secure the regime’s balance and impose geotechnical studies and soil-structure interaction studies.
  • Make work damage insurance obligatory for real estate transactions in high-exposure areas.
  • Strengthen monitoring of compliance with regulations for major risk prevention plans.
  • Develop a co-financing system for resilience diagnostics by the FPRNM and insurers.
  • Require post-disaster resilience diagnosis in high-exposure areas.
  • Consider deploying a zero-interest loan for risk prevention work and advance public aid directly to contractors.
  • Consider deploying a tax credit for individuals carrying out risk prevention work.
  • Impose and monitor the obligation to reduce vulnerability in high-exposure areas.
  • Allow insurance compensation at market value plus a premium for relocation in serious incidents.

Objective 10: Align reinsurers with the requirements of the CRD6 directive

  • Defend an evolution and application of the Solvency 2 directive in line with CRD6/CRR3 requirements.
  • Ensure readability and consistency of insurers’ transition plans.
  • Strengthen the role of ACPR recommendations on climate transition plans.

Objective 11: Green damage insurance offers

  • Encourage the adoption of electric replacement vehicles in the event of a disaster.
  • Systematize “green” compensation clauses in automobiles and property insurance.

To learn more about this report and its implications, you can access it here (in French only)

Webinar Recording: IPCC Projections & Sea Level Rise

During this webinar, authors from working groups I and II from the 2022 IPCC report presented the data, where to find it and how to interpret it, and how practitioners can understand low-likelihood/high-impact sea-level rise projections and their use in adaptation. The event concluded with a presentation of the joint policy brief from European Projects PROTECT, CoCliCo and SCORE, “When will a 2-metre rise in sea level occur, and how might we adapt?”

Speakers: Bob Kopp from Rutgers UniversityMarjolijn Haasnoot from Deltares and Utrecht UniversityKarina VON SCHUCKMANN from Mercator Ocean InternationalGonéri Le Cozannet from BRGMRoshanka Ranasinghe from Deltares, IHE Delft Institute for Water Education and University of Twente, Gaël Durand, Robert Nicholls from University of East AngliaA K M Saiful Islam from Drexel University,and Elham Ali from Suez University(TBC).

The policy brief: https://protect-slr.eu/policy-briefs/ 

Watch the webinar now: https://youtu.be/yoHCInbj2ok

IPCC Projections & Sea Level Rise

Want to know more about the IPCC projections & planning for sea level rise

This event will present key statements on the sea-level rise from the Working Group I and II IPCC reports, including adaptation challenges. The authors of the report will present the latest projections, where to find the data and how to interpret it, and how practitioners can understand low-likelihood/high-impact sea-level rise projections and their use in adaptation. The event will conclude with the presentation of the joint policy brief from European Projects PROTECT, CoCliCo and SCORE, “When will a 2-metre rise in sea level occur, and how might we adapt?”

This event will be particularly useful for people working in coastal adaptation, integrated coastal zone management or at the interface between science and society, from journalists to science communicators.

PROTECT webinar: Monday 30 January – 3-5 pm CET

Speakers: Bob Kopp from Rutgers UniversityMarjolijn Haasnoot from Deltares and Utrecht UniversityKarina VON SCHUCKMANN from Mercator Ocean InternationalGonéri Le Cozannet from BRGMRoshanka Ranasinghe from Deltares, IHE Delft Institute for Water Education and University of Twente, Gaël Durand, Robert Nicholls from University of East AngliaA K M Saiful Islam from Drexel University,and Elham Ali from Suez University(TBC).

This event is free by registering in advance:

If you know someone working on sea level rise and coastal risk, tag them in the comments! It’s likely this event will be of interest to them. 

Information on the event: https://lnkd.in/ect–Aq6 

The policy brief: https://protect-slr.eu/policy-briefs/ 

Note d’orientation : à quelle échéance l’élévation du niveau de la mer dépassera-t-elle 2 mètres ? Comment s’y adapter ?

Tôt ou tard, l’élévation du niveau de la mer dépassera 2 mètres. Cet événement interviendra dans une fenêtre temporelle allant du prochain siècle à 2000 ans selon les émissions de gaz à effet de serre et la vitesse de fonte des calottes de glace polaires. Ceci modifiera drastiquement les côtes européennes.


L’Europe et les États peuvent dès aujourd’hui envisager l’adaptation côtière comme une démarche continue impliquant des actions à court terme, une planification à long terme et une réflexion stratégique.


Trois actions urgentes sont requises pour limiter les pertes, les dommages et limiter les effets de verrouillage des décisions actuelles:

  1. Une réduction massive et immédiate des émissions de gaz à effets de serre, afin de limiter la vitesse et l’amplitude de l’élévation du niveau de la mer, et ainsi donner du temps à l’adaptation.
  2. Initier une adaptation à plusieurs mètres d’élévation du niveau de la mer, en particulier en préparant les territoires à risques, en identifiant les enjeux de gestion, en effectuant un suivi de la démarche continue de transformation des zones côtières et en mettant en œuvre des options présentant des co-bénéfices immédiats importants. 
  3. Un soutien à la recherche et aux services climatiques pour réduire les incertitudes des projections d’élévation du niveau de la mer, pour évaluer les risques et lesoptions d’adaptation associées et fournir une information utile aux acteurs de l’adaptation.

Le climat se réchauffe rapidement. L’élévation du niveau de la mer accélère. L’adaptation côtière prend du temps. Il est urgent d’agir dès maintenant.

Cette note d’orientation est soutenue par les projets PROTECT, CoCliCo et SCORE, qui ont reçu des financements du programme de recherche et d’innovation Horizon2020 de l’Union Européenne (Conventions de subvention n°869304, 101003598 et101003534).  Elle représente la seule vue des auteurs et non une position officielle dela Commission Européenne ou de leurs organismes, qui ne sont pas responsables del’information qu’elle contient.

When will a 2 meter rise in sea level occur, and how might we adapt?

This is a joint policy brief between the PROTECT, CoCliCo and SCORE projects. Each has received funding from the European Union’s Horizon 2020 research and innovation programme under grant agreement numbers 869304, 101003598 and 101003534.

Key Messages

2 meters of sea-level rise can not be realistically avoided sooner or later. This will fundamentally change European coastal zones in the decades to centuries to come.

Europe and National States can recognize that coastal adaptation is an ongoing process that involves short-term actions, long-term planning and strategic thinking.

Three actions are urgently needed to limit losses, damages and lock-ins:

  1. Massive and immediate reductions of greenhouse gas emissions in order to slow down sea-level rise, limit the amplitude of sea-level rise in the long term, thus giving more time and options for coastal adaptation.
  2. Engagement into adaptation planning for multiple meters of sea-level rise, including preparing for adaptation, identifying challenges and options, implementing and monitoring.
  3. Support to science and climate service development to reduce uncertainties in future sea-level rise, assess risks and associated adaptation options and provide useable information and climate services to coastal adaptation stakeholders

The climate is warming quickly, sea level rise is accelerating and coastal adaptation takes time. The imperative to act now is clear.

Acknowledgments

This material reflects the sole author’s view and does not represents an official position of their institutes or of the European Commission, which are not responsible for any use that may be made of the information it contains.

Lead authors: Gonéri Le Cozannet (BRGM), Gaël Durand (CNRS), Robert Nicholls (University of East Anglia

Extended drafting team & Figures: Aimée Slangen (NIOZ), Daniel Lincke (GCF), Anne Chapuis (CNRS)

Contributions & Reviews: Adina Creugny, Tamsin Edwards, Elena Marie Enseñado, Salem Gharbia, Heiko Goelzer, Geronimo Gussmann, Marjolijn Haasnoot, Klaus Keller, Emilio Laino, Daniel Lincke, Arjen Luijendijk, Angélique Melet, Luís Campos Rodrigues, Jeremy Rohmer, Paul Sayers, Aimée Slangen, Mar Riera Spiegelhader, Rémi Thiéblemont, Fiona Turner, Roderik Van De Wal

Editing: Gus Williams (Guerilla Creatives), Anne Chapuis (CNRS).