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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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What Is Flood Re? A Clear Guide to the UK Flood Insurance Scheme

Flood Re is a UK government-backed reinsurance scheme designed to improve the availability and affordability of flood insurance for households at higher risk of flooding. Introduced in 2016, Flood Re UK allows insurers to transfer the flood element of eligible…
Posted on 7th January, 2026
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Planning is falling behind flood risk, says Aviva

Aviva’s Building future communities analysis presents a stark assessment of flood risk in England. By the middle of the century, millions more properties could be exposed to flooding, with risk increasingly driven by surface water flooding rather than rivers or…
Posted on 15th 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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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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