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 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
Frequently Asked Questions
Commons questions
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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.
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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.
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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 2023/24 inward reinsurance premiums for properties ceded to the Flood Re scheme:
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 120 120 135 153 181 238 306 839 Contents Policy 53 53 68 75 92 103 144 419 Combined Policy 173 173 203 228 273 341 450 1,258 *Premiums are Net
The table below provides details of the 2024/25 inward reinsurance premiums for properties ceded to the Flood Re scheme:
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 126 126 141 160 190 249 321 880 Contents Policy 55 55 71 78 96 108 151 439 Combined Policy 181 181 212 238 286 357 472 1,319 *Premiums are Net