• Flood Re

    Flood Re is a joint initiative between the Government and insurers. Its aim is to make the flood cover part of household insurance policies more affordable.


UK flood risks

In the UK, hundreds of thousands of homes could be harder to insure because they’re at high risk of flooding.

If your home is more likely to flood, then insurers may need to charge higher insurance premiums.

Flood Re is here to help.

Could my home flood?

Find out if you live in a high-risk flood area:

Flood risk per country: England Northern Ireland Scotland Wales

This tool will open a new tab with third-party results or a flood risk map of the property’s country. Flood Re is not responsible for the information provided on this site. For more information visit: gov.uk/check-flood-risk

Commons questions

  • What is the difference between tax, levy and duty

    A tax is a financial charge on individuals or businesses collected by the Government. It’s used to pay for public spending. A duty is a type of tax that’s charged specifically on the value of goods and services, such as VAT. A levy is an obligatory payment to the Government or another organisation.

  • Why can’t I get access to the Flood Re Scheme?

    It may be because your property isn’t eligible. Our Flood Re tool may help you to see if this is the case. Ultimately though, the decision to make use of the Flood Re Scheme for your policy remains with your insurance provider. Please contact your insurer if you have more questions about this.

  • How are the premiums set for ceded policies to the scheme?

    The Premiums charged by Flood Re to insurers vary by the Council Tax band of the property. Flood claims on the ceded policy come with a fixed excess of £250 per claim. The table below provides details of the 2019/20 inward reinsurance premiums for properties ceded to the Flood Re scheme, which from 1st January 2019 were reduced for the majority of bands:

    England & Scotland A   B C D E F G H
      Wales A  B  C D E F G H I
      N. Ireland 1   2 3 4 5 6 7 8
      Combined 169 169 197 221 265 331 436 1218
      Buildings 117 117 131 148 176 231 296 812
      Contents 52 52 66 73 89 100 140 406

    *Premiums are Net

Flood Re – your stories

Real savings made by people just like you. Stories from people who’ve found more affordable flood insurance, thanks to Flood Re.