{"id":1517,"date":"2020-06-24T09:12:00","date_gmt":"2020-06-24T07:12:00","guid":{"rendered":"https:\/\/www.obat.fr\/blog\/?p=1517"},"modified":"2025-04-09T11:10:27","modified_gmt":"2025-04-09T09:10:27","slug":"indice-ffb","status":"publish","type":"post","link":"https:\/\/www.obat.fr\/blog\/indice-ffb\/","title":{"rendered":"Indice FFB et assurance habitation : tout comprendre en 2025"},"content":{"rendered":"\n<p>L\u2019indice de la F\u00e9d\u00e9ration Fran\u00e7aise du B\u00e2timent, ou indice FFB, est un indicateur bas\u00e9 sur le co\u00fbt de la construction d\u2019un immeuble. R\u00e9\u00e9valu\u00e9 chaque trimestre, il sert de r\u00e9f\u00e9rence aux compagnies d\u2019assurance pour calculer le montant des contrats d\u2019habitation. D\u00e9couvrez dans cet article tout ce qu\u2019il faut savoir sur l\u2019indice FFB : d\u00e9finition, int\u00e9r\u00eat, calcul, mise en application, historique et les derniers chiffres publi\u00e9s pour l\u2019ann\u00e9e 2025.<\/p>\n\n\n\n        <div class=\"endPostCta col-12 cta_bloc_classic\">\n            <div class=\"cta-column-left\">\n                <img decoding=\"async\" src=\"https:\/\/www.obat.fr\/blog\/wp-content\/uploads\/2024\/03\/obat-cta.png\" alt=\"\" \/>\n\n            <\/div>\n            <div class=\"cta-column-right\">\n                <div class=\"cta-title\">\n                    <div class=\"cta-title\">Simplifiez votre gestion d\u2019entreprise du b\u00e2timent.<\/div>\n                <\/div>\n\n                                    <div class=\"cta-description\">\n                        Essayez Obat 14 jours gratuitement et sans aucun engagement                    <\/div>\n                \n                                    <a role=\"button\" class=\"obat-button medium-primary-white\" href=\"http:\/\/www.obat.fr\/click?campaign=1550\" target=\"_blank\">\n                        <span>D\u00e9marrer l\u2019essai gratuit<\/span>\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\">\n                            <path d=\"M1 6L11 6M11 6L7.25 10M11 6L7.25 2\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n                        <\/svg>\n                    <\/a>\n                \n            <\/div>\n        <\/div>\n    \n\n\n\n<h2 class=\"wp-block-heading\">Qu\u2019est-ce que l\u2019indice FFB du co\u00fbt de la construction ?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">D\u00e9finition&nbsp;<\/h3>\n\n\n\n<p>L\u2019indice FFB du co\u00fbt de la construction, ou ICC FFB, est un indicateur trimestriel \u00e9tabli par la <a href=\"https:\/\/www.obat.fr\/blog\/ffb-federation-francaise-batiment\/\">F\u00e9d\u00e9ration Fran\u00e7aise du B\u00e2timent<\/a>. Sa base 1 correspond au <strong>1er janvier 1941\u200b.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Il est calcul\u00e9 \u00e0 partir du prix de revient d&rsquo;un immeuble de type courant \u00e0 Paris, enregistrant les variations de co\u00fbt des diff\u00e9rents \u00e9l\u00e9ments entrant dans la construction (main-d&rsquo;\u0153uvre, mat\u00e9riaux, taxes, etc.), hors valeur du terrain\u200b. En d\u2019autres termes, l\u2019ICC FFB mesure l\u2019<strong>\u00e9volution du co\u00fbt de la construction<\/strong> d\u2019un b\u00e2timent type.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Indice FFB et assurance<\/h3>\n\n\n\n<p>L\u2019indice FFB est principalement utilis\u00e9 par les soci\u00e9t\u00e9s d\u2019assurance.<\/p>\n\n\n\n<p>Ces derni\u00e8res s\u2019en servent de r\u00e9f\u00e9rence et de base afin d\u2019indexer le montant des diff\u00e9rentes garanties, des cotisations, des franchises et des capitaux garantis pr\u00e9vus dans les contrats d\u2019assurance habitation. C\u2019est pourquoi il figure en g\u00e9n\u00e9ral sur le contrat de l\u2019assur\u00e9.<\/p>\n\n\n\n<p>Plus la valeur de l\u2019indice est \u00e9lev\u00e9e, plus le co\u00fbt du contrat est important. Chaque ann\u00e9e, \u00e0 la date d\u2019anniversaire du contrat, l\u2019assureur proc\u00e8de \u00e0 la revalorisation du montant des cotisations annuelles et des garanties. Il se base pour cela sur le nouvel indice FFB en vigueur \u00e0 ce moment-l\u00e0.&nbsp;<\/p>\n\n\n\n<p>\u00c0 savoir que cela concerne aussi bien les primes d\u2019assurance \u00e0 destination des particuliers que des professionnels (artisans, commer\u00e7ants, TPE\/PME\u2026). Il concerne aussi toutes sortes de contrats : multirisques habitation, contrat d\u2019assurance locatifs, immeubles en copropri\u00e9t\u00e9\u2026<\/p>\n\n\n\n<p>\u00c0 lire \u00e9galement : <a href=\"https:\/\/www.obat.fr\/blog\/assurance-btp\/\">Assurance dans le BTP : comment se prot\u00e9ger en tant qu\u2019artisan ?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Calcul de l\u2019indice FFB<\/h2>\n\n\n\n<p>La base de calcul de l\u2019indice FFB est 1 au 1er janvier 1941.<\/p>\n\n\n\n<p>Pour calculer l\u2019indice, F\u00e9d\u00e9ration Fran\u00e7aise du B\u00e2timent additionne le co\u00fbt des diff\u00e9rents \u00e9l\u00e9ments entrant en compte dans la construction de l\u2019immeuble :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>mat\u00e9riaux et fournitures ;<\/li>\n\n\n\n<li>main d\u2019oeuvre (salaire et tarif horaire) ;<\/li>\n\n\n\n<li>montant des taxes ;<\/li>\n\n\n\n<li>frais administratifs ;<\/li>\n\n\n\n<li>prestations et co\u00fbts annexes.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Seule la valeur du terrain o\u00f9 est b\u00e2ti l\u2019immeuble n\u2019est pas prise en compte.<\/p>\n\n\n\n<p>L\u2019indice fluctue donc \u00e9norm\u00e9ment en fonction de nombreux facteurs li\u00e9s au march\u00e9 de la construction. Si le prix moyen d\u2019un composant, comme par exemple des mat\u00e9riaux, vient \u00e0 augmenter, la valeur de l\u2019indice en subit donc directement les r\u00e9percussions.<\/p>\n\n\n\n<p>Tous les 3 mois, la FFB enregistre donc les nouvelles variations de prix et compile toutes ces donn\u00e9es pour calculer le nouvel indice de fa\u00e7on neutre avant de le publier. Si des baisses sont parfois observ\u00e9es, de mani\u00e8re g\u00e9n\u00e9rale, l\u2019indice FFB a plut\u00f4t tendance \u00e0 augmenter d\u2019ann\u00e9e en ann\u00e9e.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Indice FFB 2025<\/h2>\n\n\n\n<p>En 2025, l\u2019indice FFB du co\u00fbt de la construction continue de jouer <strong>son r\u00f4le d\u2019indicateur<\/strong> pour <strong>l\u2019assurance habitation.<\/strong> Le dernier indice FFB connu d\u00e9but 2025 est celui du 4e trimestre 2024, qui s\u2019\u00e9tablit \u00e0 <strong>1179,5\u200b.&nbsp;<\/strong><\/p>\n\n\n\n<p>Ce niveau constitue une l\u00e9g\u00e8re hausse par rapport \u00e0 l\u2019ann\u00e9e pr\u00e9c\u00e9dente (pour comparaison, il \u00e9tait de 1152,6 au 4e trimestre 2023), soit environ<strong> +2,3 % sur un an.<\/strong> L\u2019indice semble donc avoir l\u00e9g\u00e8rement augment\u00e9, tout en marquant une forme de stabilisation apr\u00e8s les fortes hausses des ann\u00e9es pr\u00e9c\u00e9dentes. Apr\u00e8s une rapide augmentation li\u00e9e \u00e0 la flamb\u00e9e des prix des mati\u00e8res premi\u00e8res en 2021-2022, l\u2019indice FFB tend \u00e0 stagner ces derniers trimestres, une<strong> tendance de quasi-stagnation <\/strong>qui devrait se poursuivre en 2025 selon les observateurs\u200b.<\/p>\n\n\n\n<p>\u00c0 noter que l\u2019indice du 1er trimestre 2025 n\u2019est pas encore publi\u00e9 \u00e0 ce jour (il sera communiqu\u00e9 par la FFB<strong> en juin 2025\u200b<\/strong>). En attendant sa parution, les assureurs se r\u00e9f\u00e8rent toujours \u00e0 la derni\u00e8re valeur disponible<strong> (T4 2024) <\/strong>pour l\u2019indexation des contrats.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Indice FFB 2024<\/h2>\n\n\n\n<p>Pour l\u2019ann\u00e9e 2024, les valeurs trimestrielles de l\u2019indice FFB ont \u00e9t\u00e9 les suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1er trimestre 2024 : 1171,8<br><\/li>\n\n\n\n<li>2e trimestre 2024 : 1172,2<br><\/li>\n\n\n\n<li>3e trimestre 2024 : 1174,6<br><\/li>\n\n\n\n<li>4e trimestre 2024 : 1179,5<br><\/li>\n<\/ul>\n\n\n\n<p>On constate ainsi en 2024 une relative stabilit\u00e9, avec une progression mod\u00e9r\u00e9e de l\u2019indice tout au long de l\u2019ann\u00e9e (environ +2 % entre le d\u00e9but et la fin de 2024).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Indice FFB 2023<\/h2>\n\n\n\n<p>\u00c0 titre de r\u00e9f\u00e9rence, voici les donn\u00e9es de l\u2019indice FFB pour 2023 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1er trimestre 2023 : 1160,8<br><\/li>\n\n\n\n<li>2e trimestre 2023 : 1163,6<br><\/li>\n\n\n\n<li>3e trimestre 2023 : 1153,7<br><\/li>\n\n\n\n<li>4e trimestre 2023 : 1152,6<br><\/li>\n<\/ul>\n\n\n\n<p>Apr\u00e8s une forte hausse d\u00e9but 2022, l\u2019ann\u00e9e 2023 a vu l\u2019indice FFB se tasser et m\u00eame l\u00e9g\u00e8rement reculer sur la seconde moiti\u00e9 de l\u2019ann\u00e9e (baisse d\u2019environ 1 % entre T2 et T4 2023). Cette \u00e9volution illustre le ralentissement de l\u2019augmentation du co\u00fbt de la construction apr\u00e8s le pic d\u2019inflation des mat\u00e9riaux.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9volution et historique de l\u2019indice FFB de 2016 \u00e0 2025<\/h2>\n\n\n\n<p>Pour mieux comprendre la tendance de fond, voici un tableau comparatif des valeurs trimestrielles de l\u2019indice FFB du co\u00fbt de la construction ces derni\u00e8res ann\u00e9es (de 2016 \u00e0 2025) :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Ann\u00e9e<\/strong><\/td><td><strong>1er trimestre<\/strong><\/td><td><strong>2\u00e8me trimestre<\/strong><\/td><td><strong>3\u00e8me trimestre<\/strong><\/td><td><strong>4\u00e8me trimestre<\/strong><\/td><\/tr><tr><td><strong>2016<\/strong><\/td><td>929,5<\/td><td>931,2<\/td><td>935,9<\/td><td>942<\/td><\/tr><tr><td><strong>2017<\/strong><\/td><td>955,8<\/td><td>960,1<\/td><td>965,6<\/td><td>974,8<\/td><\/tr><tr><td><strong>2018<\/strong><\/td><td>981,8<\/td><td>988,1<\/td><td>987,5<\/td><td>988,2<\/td><\/tr><tr><td><strong>2019<\/strong><\/td><td>993,5<\/td><td>994,5<\/td><td>994,2<\/td><td>994,3<\/td><\/tr><tr><td><strong>2020<\/strong><\/td><td>995,1<\/td><td>995,2<\/td><td>996,8<\/td><td>1000,5<\/td><\/tr><tr><td><strong>2021<\/strong><\/td><td>1022,3<\/td><td>1033,4<\/td><td>1055,2<\/td><td>1066,4<\/td><\/tr><tr><td><strong>2022<\/strong><\/td><td>1101<\/td><td>1135,5<\/td><td>1142,8<\/td><td>1137<\/td><\/tr><tr><td><strong>2023<\/strong><\/td><td>1160,8<\/td><td>1163,6<\/td><td>1153,7<\/td><td>1152,6<\/td><\/tr><tr><td><strong>2024<\/strong><\/td><td>1171,8<\/td><td>1172,2<\/td><td>1174,6<\/td><td>1179,5<\/td><\/tr><tr><td><strong>2025<\/strong><\/td><td>\u00c0 para\u00eetre<\/td><td>\u2013<\/td><td>\u2013<\/td><td>\u2013<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Tableau : Indice FFB du co\u00fbt de la construction (ICC FFB), par trimestre, de 2016 \u00e0 2025. Le niveau du 1er trimestre 2025 sera publi\u00e9 courant juin 2025.<\/em><\/p>\n\n\n\n<p>Sur la p\u00e9riode r\u00e9cente, l\u2019indice FFB est orient\u00e9 \u00e0 la<strong> hausse quasi continue<\/strong>. Il est pass\u00e9 d\u2019environ 942 fin 2016 \u00e0 1179,5 fin 2024, soit <strong>plus de 25 % d\u2019augmentation en 8 ans<\/strong>. Cette progression traduit l\u2019augmentation des co\u00fbts de construction en France sur la dur\u00e9e. On remarque une <strong>acc\u00e9l\u00e9ration notable en 2021-2022<\/strong>, correspondant \u00e0 la forte inflation des mat\u00e9riaux de construction durant cette p\u00e9riode, puis un<strong> net ralentissement en 2023-2024<\/strong> o\u00f9 l\u2019indice \u00e9volue peu d\u2019un trimestre sur l\u2019autre\u200b. La tendance g\u00e9n\u00e9rale reste n\u00e9anmoins \u00e0 la hausse sur le long terme, m\u00eame si le rythme s\u2019est mod\u00e9r\u00e9 r\u00e9cemment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Indice FFB vs indice INSEE : quelle diff\u00e9rence ?<\/h2>\n\n\n\n<p>Attention \u00e0 ne pas confondre l\u2019indice FFB avec l\u2019<a href=\"https:\/\/www.insee.fr\/fr\/statistiques\/serie\/000008630\">indice du co\u00fbt de la construction<\/a> (ICC) fourni par l\u2019Institut National de la Statistique et des \u00c9tudes \u00c9conomiques (INSEE). Cr\u00e9\u00e9 en 1953, ce dernier surveille l\u2019\u00e9volution du prix des immeubles neufs \u00e0 usage d\u2019habitation.<\/p>\n\n\n\n<p>L\u2019ICC INSEE est calcul\u00e9 sur base 100 au 1er trimestre 1953. Publi\u00e9 chaque trimestre, il sert \u00e0 la r\u00e9vision des loyers des baux commerciaux sign\u00e9s avant le 1er septembre 2014. Ceux sign\u00e9s apr\u00e8s cette date doivent plut\u00f4t se r\u00e9f\u00e9rer \u00e0 l\u2019indice des Loyers des Activit\u00e9s Tertiaires (ILAT) et \u00e0 l\u2019indice des loyers commerciaux (ILC).&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Exemples de calcul des primes d\u2019assurance<\/h2>\n\n\n\n<p>Vous trouverez ci-dessous plusieurs exemples de calcul pour mieux illustrer la mise en application de l\u2019indice FFB dans les primes d\u2019assurance.&nbsp;<\/p>\n\n\n\n<p><strong>Exemple 1 :&nbsp;<\/strong><\/p>\n\n\n\n<p>Prenons un contrat d\u2019habitation dont les cotisations annuelles co\u00fbtent 400 \u20ac, bas\u00e9es sur l\u2019indice du 1er trimestre 2022.<\/p>\n\n\n\n<p>Au premier trimestre 2023, la revalorisation s\u2019applique selon la formule suivante : 400\u00d71160,8\/1101 = 421.72\u20ac. L\u2019assur\u00e9 recevra donc son nouveau contrat d\u2019un montant de 421.72 \u20ac.<\/p>\n\n\n\n<p><strong>Exemple 2 :<\/strong>&nbsp;<\/p>\n\n\n\n<p>Prenons maintenant un contrat multirisque habitation souscrit en octobre 2017 et donc index\u00e9 sur l\u2019indice du 2\u00e8me trimestre 2017. Le capital immobilier est garanti \u00e0 hauteur de 150 000 \u20ac et le montant des cotisations s\u2019\u00e9l\u00e8ve \u00e0 350 \u20ac.<\/p>\n\n\n\n<p>L\u2019ann\u00e9e suivante, en octobre 2018, les cotisations seront revaloris\u00e9es selon cette formule : 350\u00d7988,1\/960,1= 360,24 \u20ac de cotisations annuelles.<\/p>\n\n\n\n<p>Idem concernant le capital immobilier : 150000\u00d7988,1\/960,1 = 154 374 \u20ac de capital.<\/p>\n\n\n\n<p>Si vous souhaitez anticiper les co\u00fbts li\u00e9s \u00e0 votre contrat d\u2019assurance habitation, pensez donc \u00e0 surveiller r\u00e9guli\u00e8rement<strong> l\u2019\u00e9volution de l\u2019indice FFB <\/strong>du co\u00fbt de la construction. En tant qu\u2019artisan, l\u2019assurance multirisque ne fait pas partie des garanties obligatoires \u00e0 la pratique de votre activit\u00e9 professionnelle. <\/p>\n\n\n\n<p>Pour rappel, celles-ci sont l\u2019assurance responsabilit\u00e9 civile professionnelle (RC pro) et l\u2019<a href=\"https:\/\/www.obat.fr\/blog\/assurance-decennale\/\">assurance d\u00e9cennale<\/a> couvrant les dommages survenant sur un ouvrage pendant 10 ans. Souscrire \u00e0 une assurance multirisque qui couvre votre mat\u00e9riel et les locaux de votre entreprise est toutefois fortement conseill\u00e9. D\u00e9g\u00e2ts des eaux, vols, catastrophes naturelles, incendies, d\u00e9gradations de mat\u00e9riels sur les chantiers\u2026. Personne n\u2019est \u00e0 l&rsquo;abri des risques et de nombreux impr\u00e9vus peuvent venir entraver votre activit\u00e9 professionnelle et vous co\u00fbter cher en r\u00e9parations si vous n\u2019\u00eates pas assur\u00e9.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-left kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;left&quot;,&quot;id&quot;:&quot;1517&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;Notez cet article&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 vote)&quot;,&quot;size&quot;:&quot;16&quot;,&quot;title&quot;:&quot;Indice FFB et assurance habitation : tout comprendre en 2025&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 16px; height: 16px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 16px; height: 16px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 16px; height: 16px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 16px; height: 16px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 16px; height: 16px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 16px; height: 16px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 16px; height: 16px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 16px; height: 16px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 16px; height: 16px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 16px; height: 16px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 12.8px;\">\n            <span class=\"kksr-muted\">Notez cet article<\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019indice de la F\u00e9d\u00e9ration Fran\u00e7aise du B\u00e2timent, ou indice FFB, est un indicateur bas\u00e9 sur le co\u00fbt de la construction d\u2019un immeuble. R\u00e9\u00e9valu\u00e9 chaque trimestre, il sert de r\u00e9f\u00e9rence aux compagnies d\u2019assurance pour calculer le montant des contrats d\u2019habitation. D\u00e9couvrez dans cet article tout ce qu\u2019il faut savoir sur l\u2019indice FFB : d\u00e9finition, int\u00e9r\u00eat, calcul, [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":2977,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1517","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"acf":{"adam_posts_cta_bloc":{"adam_cb_image":"","adam_cb_titre":"Trouvez des chantiers en sous traitance pr\u00e8s de chez vous.","adam_cb_cta":""},"hide_the_universal_cta":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>L&#039;indice FFB 2025 pour l&#039;assurance habitation<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez tout ce qu\u2019il y a 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