Get insurance

If you’re a homeowner, you can:

If your home has been flooded and your insurer is part of Flood Re’s Build Back Better scheme, you could get up to £10,000 to protect your home from future flood damage as part of your flood damage repairs. If your insurer is part of the scheme, ask them if you’re eligible when you make a claim.

If you’re renting

Ask your landlord what insurance they have as it may not cover your personal items.

If their insurance does not cover your personal items, you can get contents insurance.

Read the Department for Levelling Up, Housing and Communities’ ‘How to rent’ guide for more information about flooding and insurance.


You can get:

  • buildings insurance - to cover flood damage to buildings
  • contents insurance - to cover damage to items, for example stock
  • business interruption insurance - to cover running costs or losses, for example salaries or loss of profit

Get advice from the National Flood Forum on insurance for small businesses.

Get evidence of flood risk

Contact the Environment Agency if your insurer asks for evidence of your flood risk.

Environment Agency
Telephone: 03708 506 506
Monday to Friday, 8am to 6pm
Find out about call charges

You’ll get a letter within 20 days. It’s free for individuals and businesses.

If you’ve done work on your property

You or a surveyor can complete a Flood Risk Report. This will tell insurers or buyers how the work has reduced the flood risk.