Risk Financing Strategy 2025-2030
Published: 29 January 2026
Our Risk Financing Strategy sets out how we fund the financial risks of the Natural Hazards Insurance scheme.
If your property has been affected by recent flooding, storm or landslip damage, contact your private insurer. They'll help you with your natural hazards claim and what you need to do next.
For more information, go to Cover for storm, flood and landslide damage.
About natural hazards cover
Insurance for your home and some of your land.
Storm, flood, and landslide damage
We can contribute to the cost of cleaning up your land.
Claims
Navigate the claims process, request claim information.
Our partnership with insurers
We partner with most insurers to simplify your claims process.
Making urgent repairs
Make your home safe, sanitary and secure after an event.
Section notices
Section notices on a property title can affect cover and claims.
Canterbury earthquakes
Canterbury earthquake claims and On-sold support package.
Complaints and disputes
Make a complaint, dispute a claim decision, understand your rights.
About our Resilience function
Using evidence to inform how and where we build in New Zealand
Research
Projects on the go
Data and modelling
Major data and loss modelling projects
Risk reduction
How we work to reduce risk and build resilience
Public education on natural hazards
Creating an Aotearoa New Zealand that is better informed about our natural hazards and more prepared for their impacts.
Homeowners
Making your home safer for natural hazards
Buying a home
Make educated choices when deciding where to live.
Building and renovating
Make your investment last
Apartments and shared property
What to think about and how to prepare
Tenants
Ways to make your rental home safer
Natural hazards where you live
Know what hazards could affect the area you live in
Landlords
Ways to protect your investment
Resources
Useful information to help you prepare
Our role
We exist to reduce the impact on people and property when natural hazard events occur.
Our story
New Zealand has a history of natural hazard events that has shaped our organisation’s history, and our name.
Our people
Get to know our Minister, Board of Commissioners, and Executive Leadership team.
How we work
At NHC Toka Tū Ake we have rules, policies, and ways of working that guide what we do.
Our Risk Financing Strategy sets out how we fund the financial risks of the Natural Hazards Insurance scheme.