{"id":28810,"date":"2018-03-20T16:31:08","date_gmt":"2018-03-20T15:31:08","guid":{"rendered":"https:\/\/reassurez-moi.fr\/guide\/?page_id=28810"},"modified":"2026-02-02T16:31:44","modified_gmt":"2026-02-02T15:31:44","slug":"indice-ffb","status":"publish","type":"page","link":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-habitation\/indice-ffb","title":{"rendered":"Assurance habitation – Indice FFB"},"content":{"rendered":"\n

Indice FFB et assurance habitation : r\u00f4le & fonctionnement<\/h1>\n\n\n\n

Diff\u00e9rents \u00e9l\u00e9ments doivent \u00eatre pr\u00e9sents dans un contrat d\u2019assurance habitation : sa dur\u00e9e, le montant des cotisations mais aussi l’indice ICC FFB, l’Indice du Co\u00fbt de Construction de la F\u00e9d\u00e9ration Fran\u00e7aise du B\u00e2timent. Ce dernier est d\u00e9terminant pour calculer le co\u00fbt de l\u2019assurance habitation, avec des fluctuations trimestrielles, calcul\u00e9es ind\u00e9pendamment de la volont\u00e9 des assureurs. Nos explications ! <\/p>\n\n\n\n

D\u00e9finition de l’indice FFB<\/h2>\n\n\n\n

L\u2019indice FFB est une r\u00e9f\u00e9rence utilis\u00e9e par les assureurs afin de d\u00e9terminer le prix de l\u2019assurance habitation de l\u2019assur\u00e9. Cet indice est \u00e9mis par la F\u00e9d\u00e9ration Fran\u00e7aise du B\u00e2timent par rapport au co\u00fbt de la construction d\u2019un immeuble en France.

Plus cet indice est \u00e9lev\u00e9, plus les assureurs vont r\u00e9percuter sa valeur sur le co\u00fbt de l\u2019assurance habitation. L’assur\u00e9 ne peut avoir d\u2019impact sur cette variable qui constitue une base pour toutes les compagnies d\u2019assurance.<\/p>\n\n\n\n

Comment se calcule l\u2019indice FFB ?<\/h2>\n\n\n\n

L\u2019indice FFB est calcul\u00e9 trimestriellement en fonction des fluctuations du march\u00e9. Il se base sur le prix de revient d\u2019un immeuble moyen \u00e0 Paris et enregistre donc les variations de co\u00fbt des diff\u00e9rents \u00e9l\u00e9ments qui rentrent dans le calcul du co\u00fbt de la construction (main d\u2019\u0153uvre, mat\u00e9riaux de construction, etc.).

Cela signifie que tous les \u00e9l\u00e9ments entrant en consid\u00e9ration dans ce calcul influent directement sur l\u2019indice. Si le prix de la main d\u2019\u0153uvre augmente ou diminue, cela sera r\u00e9percut\u00e9 imm\u00e9diatement\u00a0; il en va de m\u00eame pour une variation du co\u00fbt des mat\u00e9riaux de construction. <\/p>\n\n\n\n

L\u2019indice se trouve donc influenc\u00e9 par les prix du march\u00e9 dans de nombreux domaines et sa valeur est \u00e9mise de mani\u00e8re neutre par la F\u00e9d\u00e9ration Fran\u00e7aise du B\u00e2timent qui ne pourrait \u00ab\u00a0gonfler\u00a0\u00bb cet indice artificiellement.<\/p>\n\n\n\n

<\/i>

Si l’\u00e9volution du FFB est la m\u00eame pour tous, le co\u00fbt de l’assurance habitation peut, lui, grandement diff\u00e9rer selon les offres du march\u00e9. C’est pourquoi il est primordial de comparer les assurances habitation<\/a> ! <\/p><\/div>\n\n\n\n

Ann\u00e9e<\/th>1er trimestre<\/th>2\u00e8me trimestre<\/th>3\u00e8me trimestre<\/th>4\u00e8me trimestre<\/th><\/tr><\/thead>
2025<\/td>1178,9<\/td>1180,8<\/td>1183,5<\/td>Publication \u00e0 venir<\/td><\/tr>
2024<\/td>1171,8<\/td>1172,2<\/td>1174,6<\/td>1179,5<\/td><\/tr>
2023<\/td>1160,8<\/td>1163,6<\/td>1153,7<\/td>1152,6<\/td><\/tr>
2022<\/td>1101<\/td>1135,5<\/td>1142,8<\/td>1137<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/div>\n\n\n\n

\u00c0 quoi sert l’indice FFB pour l’assurance habitation ?<\/h2>\n\n\n\n

L\u2019indice FFB permet d’estimer le prix de l\u2019assurance habitation<\/a>. Il s’applique \u00e0 diff\u00e9rents types de contrats : multirisques habitation (MRH), immeubles en copropri\u00e9t\u00e9, contrat d\u2019assurance locatifs\u2026

L\u2019indice FFB rend compte des \u00e9volutions du prix de tous les \u00e9l\u00e9ments qui rentrent dans la composition de la construction du b\u00e2timent, en excluant la valeur du terrain d\u2019origine. <\/p>\n\n\n\n

Il sert notamment \u00e0 indexer le prix des franchises d’assurance habitation<\/a>, cotisations, primes d\u2019assurance et les capitaux garantis au contrat.<\/p>\n\n\n\n

<\/i>

Les fluctuations de l’indice FBB influent directement vos cotisations et votre prime annuelle. Renseignez-vous sur cet indice au moment de souscrire votre contrat MRH, afin de v\u00e9rifier qu\u2019il correspond au prix que vous payez. <\/p><\/div>\n\n\n\n

\"reassurez-moi<\/div>

Les meilleures assurances multirisque habitation en 2026<\/p>Comparateur assurance habitation<\/span><\/a><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

Indice FFB et assurance habitation : r\u00f4le & fonctionnement Diff\u00e9rents \u00e9l\u00e9ments doivent \u00eatre pr\u00e9sents dans un contrat d\u2019assurance habitation : sa dur\u00e9e, le montant des cotisations mais aussi l’indice ICC FFB, l’Indice du Co\u00fbt de Construction de la F\u00e9d\u00e9ration Fran\u00e7aise du B\u00e2timent. Ce dernier est d\u00e9terminant pour calculer le co\u00fbt de l\u2019assurance habitation, avec des\u2026<\/p>\n","protected":false},"author":86,"featured_media":0,"parent":13793,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"page_topic":[557],"class_list":["post-28810","page","type-page","status-publish","hentry"],"yoast_head":"\nIndice FFB et assurance habitation : le guide 2026<\/title>\n<meta name=\"description\" content=\"L'indice FFB influence directement les cotisations, et donc le co\u00fbt de votre assurance habitation. 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