• 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.

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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:

Find out now
Flood risk per country: England Northern Ireland Scotland Wales

This 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

  • 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.

  • 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.

  • 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 until 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 131 131 146 166 197 258 333 915
    Contents Policy 57 57 73 81 99 112 157 456
    Combined Policy 188 188 219 247 296 370 490 1,371

    *Premiums are Net

     

    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

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.

Bringing more choice for flood affected communities

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