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.
Find a Flood Re insurer
Use the Flood Re Tool to find out if we can help your property and find an insurer
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What is Flood Re?
Learn about us, how Flood Re works and what Our Future holds
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Help for householders
Are you a flood risk? Find resources, guides and helpful links to flooding information
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Could my home flood?
Find out if you live in a high-risk flood area:
Find out nowThis 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
Frequently Asked Questions
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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.
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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.
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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 2025/26 inward reinsurance premiums for properties ceded to the Flood Re scheme from 1 October 2025.
England A B C D E F G H Scotland A B C D E F G H Wales A B C D E F G H I Northern Ireland 1 2 3 4 5 6 7 8 Buildings Policy 134 134 156 177 210 304 392 1,077 Contents Policy 58 58 77 86 106 131 185 536 Combined Policy 192 192 233 263 316 435 577 1,613 *Premiums are Net
The table below provides details of the 2026/27 inward reinsurance premiums for properties ceded to the Flood Re scheme from 1 April 2026.
England A B C D E F G H Scotland A B C D E F G H Wales A B C D E F G H I Northern Ireland 1 2 3 4 5 6 7 8 Buildings Policy 147 147 175 198 235 346 447 1,077 Contents Policy 58 58 77 86 117 195 273 536 Combined Policy 205 205 252 284 352 541 720 1,613 *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.