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Flood ReThink 2026: Flood Performance Certificates Explained

A Flood Performance Certificate (FPC) is a proposed rating of how well a home withstands flooding, and it is one of the headline proposals in the reforms Flood Re set out on 2 July 2026, ten years after the scheme…
Posted on 3rd July, 2026
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Why the Insurance Industry Is Warning Against the NPPF Flood Risk Changes

In early March 2026, as the government’s consultation on its revised National Planning Policy Framework drew to a close, seventeen of the most significant names in UK flood risk signed a single joint letter to ministers. Insurers, mortgage lenders, brokers…
Posted on 8th June, 2026
, in NPPF 
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NAFRA2 and Home Sales: Rising Flood Awareness

When the Environment Agency released its latest National Assessment of Flood Risk for England (NAFRA2) in early 2025, the updated dataset immediately began reshaping how flood risk is understood — and, increasingly, how property is bought and sold. Many homeowners…
Posted on 20th October, 2025
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Record UK Flood Insurance Claims in 2024 – Rising Costs and Risks

Flooding Costs Soar as UK Faces Increasing Climate Risks The Association of British Insurers (ABI) has announced that 2024 was the UK’s costliest year on record for flood insurance claims, with payouts exceeding £650 million. This alarming figure highlights the…
Posted on 11th February, 2025
, in 2024 
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UK Housing Plans and Flood Risk: Striking the Right Balance

The UK government’s recently announced housing strategy has come under scrutiny following reports that over 100,000 new homes are set to be constructed in areas identified as the highest flood risk in England. The move has raised concerns among flood…
Posted on 10th February, 2025
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£2bn Boost for UK Flood Defences to Combat Rising Risks

The UK government has pledged an additional £250 million in flood defence funding, bringing the total investment to £2.65 billion over the next two years. The announcement follows a series of devastating storms and widespread flooding, with the government seeking…
Posted on 5th February, 2025
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Flood Risk and the UK Housing Market: A Slow-Building Financial Threat

Rising flood risk is a long-term threat to the UK housing market, to the mortgages secured against it, and to the wider financial system. For now, most households at risk are shielded by Flood Re, the industry scheme that keeps…
Posted on 29th January, 2025
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Flood Risk and Mortgage Lending in the UK: What You Need to Know

Yes, you can usually still get a mortgage on a property that carries some flood risk. But the answer depends on the lender, on whether the home can be insured affordably, and on the quality of the evidence you put…
Posted on 30th April, 2024
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Flood risk before buying a property: how to check and understand it

Flood risk is one of the few things you can investigate properly before you commit to a purchase, and one of the most expensive to discover afterwards. The Environment Agency's December 2024 national assessment of flood risk put 6.3 million…
Posted on 6th July, 2015
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