Many international institutions and companies in the insurance sector periodically produce reports on future risks. In its Cahier de la prospective sur les Risques émergents à horizon 2035 [1] , CNP Assurances has followed this line, but offers an original approach by combining three specificities. First, by focusing on the analysis of risks for individuals, and not for companies or organizations. Then, the approach chosen to select risks and study them combines the essential work of reviewing points of view with rigorous prospective analysis work that allows the developments examined to be qualified. Finally, this in-depth analytical and prospective approach allows the identification of specific "emerging" risks.
The effects of climate change are being felt and constitute a real risk for society. Its impacts, more or less well known today, are perceived as emerging risks, evolving or thailand phone number list forming, for people and their property. Like all risks, they are characterized by uncertainty as to their degree of impact and their time horizon. The trends presented in the Cahier de la prospective are the result of a year of reflection. This work was based, among other things, on interviews with a dozen experts as well as on several surveys conducted within CNP Assurances and with risk and actuarial specialists. It first made it possible to draw up the backdrop, the movements and the potential causal factors of new or evolving risks for people and their property. It then made it possible to identify nine major trends, carrying 35 emerging risks for people and their property by 2035. The first trend analyzed is that of the increase in extreme climatic