Is natural-disaster insurance compulsory?

Yes. Ordonnance 03-12 of 26 August 2003 requires every owner of a building or of industrial/commercial premises to insure against the effects of natural disasters. Proof is normally asked for at a notarial deed or when applying for a loan.

How do I find my commune's seismic zone?

Pick the wilaya, then the commune: the tool reads the classification from annexe A of the Algerian seismic-design rules RPA 2024, which places every commune in a zone from 0 to 6. The order of 21 July 2026 refers to those rules explicitly. You can always override the zone by hand.

Why does a non-compliant building cost more?

The building's vulnerability has been the second pricing parameter since 2004: a construction that is non-compliant or unverified pays a higher rate. In zone 5, for instance: 0.80‰ against 1.34‰ — roughly 68% more premium.

What is the minimum premium?

The premium cannot be lower than 2,500 DA for buildings and 3,500 DA for industrial and/or commercial premises (art. 5 of the order of 21 July 2026). The previous floors were 1,500 and 2,500 DA.

What does the 80% ceiling mean?

Art. 7 of décret exécutif 04-269: buildings are covered up to 80% of the insured capital, industrial and/or commercial premises and their contents up to 50%. That is the ceiling on the indemnity after a disaster, not the premium.

Is the premium annual?

Yes. Art. 9 of décret 04-269 provides that the insurance period cannot be shorter than one year, so the tool shows an annual premium.

How is the insured capital of industrial premises worked out?

Under art. 6 (paragraph 2) of décret 04-269: buildings at their rebuilding cost, equipment at its replacement value, goods at their market value. The normative price per m² does not apply to them — the 2026 order restricts it to the buildings of article 6 (paragraph 1) — which is why the tool asks for a declared value.

What is the 20% loading?

Art. 5 of décret 04-269: buildings put up without a building permit, and activities carried on without a commercial register, before ordonnance 03-12 was published (26 August 2003), carry a 20% loading on the premium. Full references: order of 21 July 2026 (JO no. 62 of 2026) and décret exécutif 04-269.

Algeria CAT-NAT natural-disaster insurance premium calculator 2026

Wilaya

Commune

Pick your commune to resolve the seismic zone, or set it yourself below.

Type of insured property

Seismic zone

Compliance with the seismic-design rules

Built area (m²)

Declared built area; it is multiplied by the normative price per m².

Declared value (optional)

DA

Housing: used when it exceeds area × normative price. Industrial/commercial premises: required (buildings + equipment + goods).

Built without a building permit, or trading without a commercial register, before 26 August 2003

Annual premium

4,700DA

Normative price per built m²47,000DA

Area × normative price4,700,000DA

Insured capital4,700,000DA

Seismic zone (RPA 2024)3

Applied rate (‰)1

Premium before loading4,700DA

Annual premium4,700DA

Indemnity ceiling (80% of insured capital)3,760,000DA

hsabet.com

Saved you a manual calculation? Share it with someone who needs it.

Follow Algeria's job market

Employment news, recruitment competitions, and labor market updates on SFN Emploi.

Read the news

How it works

Pick the wilaya, then the commune: the seismic zone comes from RPA 2024 (and stays editable).
Set the type of property, the seismic compliance and the built area; insured capital is area × normative price per m², or the declared value when that is higher.
We apply the per-mille rate from the order's grid, the 20% loading where it is due, then the minimum premium, and show the 80% or 50% indemnity ceiling.

Sources: order of 6 Safar 1448 / 21 July 2026 amending the order of 31 October 2004 (JO no. 62 of 29 August 2026, pp. 9–10) · décret exécutif 04-269 of 29 August 2004 (JO no. 55) · ordonnance 03-12 of 26 August 2003 · Algerian seismic-design rules RPA 2024 (D.T.R-B.C 2.48, annexe A) for the commune-level seismic zoning.

Data last reviewed: 2026-07-22

Hsabet is not affiliated with any of these official organizations – cited for reference only.

Frequently asked questions

Related calculators

Notary Fees Calculator

Estimate property purchase costs: registration, land-registration tax, and notary fees.

DGI

Property tax (taxe foncière) calculator

Calculate the annual property tax on a built property in Algeria: surface × fiscal rental value × zone coefficient, then 3% (or 10% for a vacant secondary home).

DGI

Property capital-gains tax calculator

Calculate the capital-gains tax on a property sale in Algeria: 15% on the gain, holding-period abatement, and a 50% reduction for a unique principal residence (art. 77-80).

DGI

Rental-income tax calculator (IRG revenus fonciers)

Calculate the rental-income tax in Algeria (IRG revenus fonciers): 7% housing, 15% commercial, by annual rent (art. 104).

DGI

Guides for you:Property Buyer

Reserve this ad spaceAdvertise here

About this tool

Natural-disaster (CAT-NAT) cover has been compulsory for every property owner in Algeria since ordonnance 03-12 of 26 August 2003, and proof of it is normally required at the notary. This tool estimates the annual premium under the order of 21 July 2026: insured capital × a rate in per mille (‰) that varies with the seismic zone and with whether the building meets the seismic-design rules.

Pick the wilaya, then the commune — the seismic zone is read from annexe A of the Algerian seismic-design rules RPA 2024 (you can override it) — then enter the type of property and the built area. The figure is indicative: the actual premium and the deductible are set by the insurer's contract.

Natural-disaster (CAT-NAT) insurance premium in Algeria

Follow Algeria's job market

How it works

Frequently asked questions

Is natural-disaster insurance compulsory?

How do I find my commune's seismic zone?

Why does a non-compliant building cost more?

What is the minimum premium?

What does the 80% ceiling mean?

Is the premium annual?

How is the insured capital of industrial premises worked out?

What is the 20% loading?

Related calculators

Notary Fees Calculator

Property tax (taxe foncière) calculator

Property capital-gains tax calculator

Rental-income tax calculator (IRG revenus fonciers)

About this tool

Follow Algeria's job market

How it works

Frequently asked questions

Is natural-disaster insurance compulsory?

How do I find my commune's seismic zone?

Why does a non-compliant building cost more?

What is the minimum premium?

What does the 80% ceiling mean?

Is the premium annual?

How is the insured capital of industrial premises worked out?

What is the 20% loading?

Related calculators

Notary Fees Calculator

Property tax (taxe foncière) calculator

Property capital-gains tax calculator

Rental-income tax calculator (IRG revenus fonciers)