William Eichler 21 February 2020

70,000 homes ‘at risk’ of having no flood insurance

70,000 homes ‘at risk’ of having no flood insurance image

A think tank has warned that there are around 70,000 homes that are at risk of having no flood insurance because they are built in high-risk flooding zones.

High and dry: Preventing tomorrow’s ‘flood ghettos’, published by the conservative think tank Bright Blue, defines properties ‘at-risk’ of at some point becoming uninsurable as those built after 2008 and located in postcodes in what Government and public authorities deem Flood Zone 3, defended or undefended.

A majority of these 70,000 at-risk properties are in Greater London. Other notable potential flooding insurance blackspots include Hull and Somerset.

Around 20,000 of the 70,000 at-risk properties are in areas without flooding defences. Lincolnshire, containing Boston, South Holland and East Lindsey local authority districts, stands out as the county with the greatest concentrations of undefended at-risk properties.

About £31bn worth of properties have been built after 2008 in Flood Zone 3, although a substantial proportion of this is protected by the Thames Barrier. About £5bn is undefended.

There are 3,000 properties out of 70,000 that are ‘greatly at risk’, since they are not covered by Flood Re insurance and are located in areas where at least half of all residential properties have a 1-in-30 or higher annual chance of flooding, irrespective of defences.

The areas of England with the highest concentrations of greater at-risk properties include near the confluence of the Rivers Quaggy and Ravensbourne in Lewisham; the outskirts of Mexborough near Doncaster; and an area near where the Stour branches in central Canterbury.

‘Government policy over the past decade has seen individuals as entirely responsible for finding out their flood risk, but obviously many are simply not aware,’ said Helen Jackson, associate fellow of Bright Blue and author of the analysis.

‘Many of those seeing their communities deal with flooding would view this onus on them as individuals to have understood how flooding could affect them as a bit heartless. Government needs to step in to make sure people are informed.

‘It would be the height of naivety to believe that homebuyers understand their flood risk in a changing climate — including potential uninsurability — when accessible public information isn’t yet available on future flood risk. As a society we mustn’t sleepwalk into loading the costs of climate change onto those least able to bear them.

‘There needs to be a renewed focus on dealing with flood risk as a dynamic, not a static, issue, and a much stronger presumption in policymaking that the transition to a flood resilient society won’t just happen without government intervention.’

Overcoming the barriers to Commercial Card use image

Overcoming the barriers to Commercial Card use

Want to reap the benefits of Commercial Cards but coming up against some challenges? James Sykes, Head of Commercial Cards, Lloyds Bank and David Legg, Head of Corporate Card Products, Lloyds Bank, discuss how the payments industry is helping organisations unlock their true value.
SIGN UP
For your free daily news bulletin
Highways jobs

Local Highway Officer

Cambridgeshire County Council
£22,183 - £32,234
The Local Highway Officer role is based in the Highway Service. Huntingdon, Cambridgeshire
Recuriter: Cambridgeshire County Council

Director of Children & Families

North Lincolnshire Council
£108,500
We are looking for an effective, resilient Director of Children & Families. North Lincolnshire
Recuriter: North Lincolnshire Council

Strategy & Commissioning Manager Health, Wellbeing & Self-care

Warwickshire County Council
£70,573.00 - £77,999.00
If you are a dynamic individual, with a strong background in public health and social care strategy and commissioning, we’d like to hear from you! Warwick, Warwickshire
Recuriter: Warwickshire County Council

Environmental Health/Environmental Protection Officer - Noise

Tower Hamlets London Borough Council
£41,607.00 - £44,598.00
This post attracts an essential car user allowance. The post holder is able to take part in the Council's flexible working scheme. Tower Hamlets, London (Greater)
Recuriter: Tower Hamlets London Borough Council

Director of Business Development

North Yorkshire County Council
50-60k + relocation allowance
We are looking for a dynamic and innovative person to help us deliver our ambitious new strategic objectives set out in... North Yorkshire
Recuriter: North Yorkshire County Council

Public Property

Latest issue - Public Property News

This issue of Public Property examines how how flexible workspaces can lead the way in regeneration for local authorities, Why local authority intervention is key to successful urban regeneration schemes and if the Government’s challenge of embracing beauty is an opportunity for communities.

The March issue also takes a closer look at Blackburn with Darwen Council's first digital health hub to help people gain control over health and care services.

Register for your free digital issue