Housing in Kazakhstan to be mandatorily insured against earthquakes and floods

Tengrinews.kz — Kazakhstan plans to gradually introduce mandatory housing insurance against natural disasters, including earthquakes, floods, and wildfires. The new system will initially be piloted in three regions before being expanded to 16 disaster-prone areas.
This was reported in the Insurance Market Development Program for 2026–2030, approved on October 30 by a joint resolution of the Agency for Regulation and Development of the Financial Market and the National Bank.
Proposed Measures
The new insurance scheme is designed to provide financial support to homeowners whose property is damaged or destroyed by a natural disaster.
The implementation will be phased: following an initial grace period, a pilot phase will be launched in three regions before the nationwide rollout.
What risks will be covered? The primary focus is on protecting real estate against three types of natural threats:

earthquakes;
floods and seasonal inundations;
wildfires.

The program’s authors envision a system that prevents citizens from facing the financial fallout of disasters alone. Insurance payouts are intended to fund the repair of damaged homes or provide compensation for total loss.
Furthermore, authorities intend to explore expanding insurance coverage for real estate against fires in general. Currently, this is framed as a future prospect rather than an immediate mandatory requirement.
As previously reported, Kazakhstan plans to introduce mandatory insurance for residential properties against earthquakes, wildfires, and floods. According to the document, the insurance will cover primary residences located in disaster-prone regions.