Consultation outcome

Insurance in areas of flood risk

This was published under the 2010 to 2015 Conservative and Liberal Democrat coalition government

This consultation has concluded

Download the full outcome

Response to the consultation on insurance in areas of flood risk

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Detail of outcome

We received around 149 responses to the public consultation from a range of organisations and individuals with an interest in flood insurance. These included responses from the:

  • insurance industry
  • communities at risk of flooding
  • local authorities
  • the property and mortgage industry
  • flood risk management experts
  • and others with expertise in the issues involved

The response to the consultation also takes account of the views expressed during a number of stakeholder events and comments made on draft laws published on 6 September.

Original consultation


The government is seeking powers to address the future availability and affordability of flood insurance through the Water Bill.

This consultation was held on another website.

This consultation ran from

Consultation description

This consultation is seeking views on the government’s preferred approach to address the future availability and affordability of flood insurance.

The government’s preference is to work with the insurance industry to secure the affordability and availability of flood insurance. We have reached an initial agreement on a way forward which would enable people living in the most flood-prone areas to get affordable flood insurance. This would replace the current voluntary agreement (the Statement of Principles).

Government will also seek powers in reserve to regulate for affordable cover. Having a fallback means customers can have confidence in this issue being addressed one way or another.

We are seeking powers in the Water Bill to implement these proposals.

We would welcome views on the government’s proposed approach in order to help develop the final proposals to be put to Parliament later this year.

Published 27 June 2013
Last updated 18 November 2013 + show all updates
  1. Document replaced - new document contains a minor amendment by DCLG on Page 12
  2. Summary of responses document uploaded.
  3. Added details of the outcome "holding response". Summary of responses document to follow shortly.
  4. Amended the wording in the detailed area.
  5. First published.