When most people picture flooding, they imagine rivers overflowing or storm surges battering coastal towns. However, flooding in the UK is not confined to these traditional risks. According to an Environment Agency’ report, flooding can happen anywhere, even far from rivers or the coast.
Flooding: a growing threat nationwide
Today, surface water flooding caused by intense rainfall is one of the fastest-growing environmental threats, particularly in densely built-up urban areas where drainage systems can become overwhelmed. The Environment Agency reports that over 5.2 million homes in England are currently at risk of flooding from rivers, the sea, or surface water.
Groundwater flooding is another hidden danger, affecting between 122,000 and 290,000 properties, many of which lie outside recognised flood zones. Groundwater flooding is when the level of water within the rock or soil underground, known as the water table, rises to reach ground level and then ultimately starts to seep through to the surface and cause damage. These figures highlight that even properties considered “low risk” may face flooding due to changing weather patterns, increased urbanisation, and climate change.
The true cost of flooding
Recovering from a flood can be financially and emotionally draining. On average, repairing a flooded home costs between £30,000 and £50,000, and works can take six to twelve months to complete. During that time, families may face the additional disruption of temporary accommodation, lost belongings, and extended insurance claims.
Why flood insurance matters
In many UK home insurance policies, flood cover is included as part of your buildings and contents insurance, but this isn’t always guaranteed, especially for properties in high-risk flood areas. Whilst home insurance covers a broad range of risks, flood insurance specifically protects you from flood-related damage, which can be catastrophic and costly.
Comprehensive flood insurance is essential for safeguarding your property and peace of mind. The right cover can include:
- Structural repairs for flood damage
- Protection for household contents
- Costs for alternative accommodation during recovery
- Faster claims handling and reduced financial stress.
Take action this Flood Awareness Week
With unpredictable UK weather and rising rainfall, now is the time to review your flood protection and insurance cover. Don’t wait until it’s too late: check whether your home is in a at long-term risk via the government’s flood checker or you can get a copy of the map posted or emailed to you by calling Flood Line on 0345 988 1188.
For more help and tailored advice on protecting your property, contact our team today. Our experts can guide you through your flood-risk assessment and ensure you have the right cover in place for peace of mind, whatever the weather.
Sources:
Environment Agency’s Property Flood Resilience (PFR) materials and recovery guidance.
Agency’s Draft Section 18 Report (2017) and supporting documents in the Flood and Coastal Risk Management Evidence Pack
Russell Butlin
Personal Lines Director
