Earthquake and flood risk, and DASK insurance

2026-10-08 · Author: Grand Emlak

Buying in Antalya means reading risk from official data and pricing DASK correctly; sources here are AFAD, MGM, the municipality and DASK only.

The Türkiye Earthquake Hazard Map and Antalya

According to AFAD, the renewed Türkiye Earthquake Hazard Map was published in the Official Gazette of 18 March 2018 and entered into force on 1 January 2019; the project was supported by the National Earthquake Research Programme and DASK. Parcel-level acceleration values are queried in the interactive application at tdth.afad.gov.tr after e-Devlet login. Source: Disaster and Emergency Management Authority (AFAD), accessed 08.10.2026

The Provincial Disaster Risk Reduction Plan (İRAP) of AFAD Antalya explains that the new map abolished "earthquake zones" and instead shows peak ground acceleration. According to the plan, the MTA active fault map and AFAD data identify the Kale and Kekova fault systems and the suspected Kasaba lineament in Antalya; the earthquakes these faults could produce are assessed, from historical data, at roughly magnitude 5.1–6.7. Source: AFAD Antalya Provincial Directorate, AFAD Antalya Provincial Directorate, accessed 08.10.2026

The İRAP's instrumental-period records include the 1914 Burdur earthquake (Mw 6.9, 300 deaths, 6,000 damaged buildings), the 1957 Fethiye earthquake (Mw 7.1, 67 deaths, 3,200 damaged buildings) and the 2012 magnitude 6.0 earthquake off Kumluca (about 20 buildings damaged). In the study area, 338 earthquakes of magnitude 4.0–5.0, 44 of 5.0–6.0 and 4 of 6.0–7.0 have been recorded; because of the Kale-Kekova fault zone and alluvial ground, the plan names Kaş, Demre, Kumluca and Finike as the districts most at risk. Current earthquakes are published on AFAD's earthquake portal. Source: AFAD Antalya Provincial Directorate, Disaster and Emergency Management Authority (AFAD), accessed 08.10.2026

Floods: where and how often?

According to Antalya Metropolitan Municipality's climate adaptation action plan, AFAD data show 161 flood events in the province in 1975–2020, 111 of them after 2004. In the city of Antalya and on the western shores of the gulf, daily maximum rainfall can exceed 300 mm. The plan classes flood hazard as high in the city centre, on the eastern shore of the gulf and in district centres built on alluvial plains such as Finike, Demre and Kumluca. Source: Antalya Metropolitan Municipality, accessed 08.10.2026

In the İRAP's table based on AFAD Antalya data, floods and inundations numbered 14 in 2015, 10 a year in 2016–2018 and 2 in each of 2019 and 2020; the districts with the highest flood risk are, in order, the city centre, Kumluca, Finike, Kemer, Manavgat, Demre and Alanya. The province's mean annual rainfall is 1,085 mm, about 80% of it falling from November to February. MGM's 1930–2025 statistics record the highest daily rainfall as 331.5 mm on 17.01.1969. Source: AFAD Antalya Provincial Directorate, Turkish State Meteorological Service (MGM), accessed 08.10.2026

According to MGM's 2022 Meteorological Disasters Assessment, heavy rain/flood events in autumn and winter 2022 were most frequent in Antalya, Mersin and Muğla. In the flood of the night of 12 December 2022 in Kumluca and Finike the Governor's Office set up a crisis centre and schools closed for a day; according to Agriculture and Forestry Minister Kirişci, 12,000 greenhouses in 16 neighbourhoods of Kumluca were damaged, with 253 kg of rain per square metre in the uplands and 107.8 kg in the district centre. In November 2017 Governor Karaloğlu stated that a tornado from the sea had damaged greenhouses, houses and cars in Kumluca, Finike, Demre and Kaş and that 25 people had been taken to hospital. Source: Turkish State Meteorological Service (MGM), Hürriyet (Governor's Office statement), CNN Türk (statement by Minister Kirişci), CNN Türk (statement by Governor Karaloğlu), accessed 08.10.2026

DASK: compulsory earthquake insurance

According to DASK, compulsory earthquake insurance covers residential buildings on privately owned, title-registered land, independent units under the Condominium Law and commercial units inside dwellings; public buildings, village settlements, wholly commercial or industrial buildings and unlicensed structures are excluded. The cover pays for direct material damage to the building caused by an earthquake and by the fire, explosion, tsunami or landslide it triggers; debris removal, loss of profit, alternative accommodation, contents and bodily injury are outside the policy. Source: Turkish Catastrophe Insurance Pool (DASK), accessed 08.10.2026

The DASK tariff divides buildings into seven risk groups and two construction types (A reinforced concrete, C other); the rate per thousand falls from 2.82 in group I to 0.73 in group VII for reinforced concrete and from 4.96 to 1.09 for other structures. The sum insured is the unit cost per m² times the area: the tariff page publishes, as of 01.10.2026, 12,039 TL/m² for reinforced concrete and 8,026 TL/m² for other structures, and the maximum cover has been indexed monthly to the producer price index since 1 January 2024. Source: Turkish Catastrophe Insurance Pool (DASK), accessed 08.10.2026

DASK states that the policy is checked in title-deed transactions and housing loans and in electricity and water subscriptions, so a valid policy is needed for a transfer of title and for utilities. Amounts are updated monthly; check the current tariff on dask.gov.tr before buying. Source: Turkish Catastrophe Insurance Pool (DASK), Turkish Catastrophe Insurance Pool (DASK), accessed 08.10.2026

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