Extreme Weather: Resilience

Baroness Stuart of Edgbaston Excerpts

Wednesday 24th January 2024 Lords Chamber

[Baroness Neville-Rolfe (Con)]

I thank the noble Earl. I am glad he mentioned the NAO report, because it did welcome the work that had been done—I know this has been welcomed across the House—on setting up the Resilience Directorate and, indeed, publishing the resilience framework in 2022. Setting appropriate targets and ambitions for the level of flood resilience—in particular, for critical infrastructure because that is a key part—is part of the Government’s broader thinking on resilience standards.

There are more than 100 risk priorities in our risk register; we are working on all of these and have committed to create by 2030 common but flexible resilience standards right across critical national infrastructure, as well as across the private sector more broadly. One of the lessons of the storms we are seeing is that it is important to work with the private sector as well. One reason that people have been less affected has been the improvements that have been made in power, transport, trains and the rest—partly having early warning, partly working together, and partly having this sense of mission that we must try to respond to the warmer, wetter winters and the arrival of a certain element of Mediterranean weather in our beautiful island, as the noble Earl said.

[Baroness Stuart of Edgbaston (CB)]

My Lords, I am glad that the Minister mentioned the private sector, because I would like to take it to an even more granular level—the individual household sector. Has she had conversations with the insurance industry, to make it absolutely clear to home policy owners what damage is covered and how to deal with neighbourhood disputes resulting from falling trees, falling fences and similar damage, where it may not be immediately obvious whose responsibility it is?

[Baroness Neville-Rolfe (Con)]

The noble Baroness makes a very good point about insurance. We do have discussions with the insurance industry on resilience. Of course, in recent years we have developed Flood Re, which is a very important reinsurance scheme that makes flood cover more widely available to households that are particularly vulnerable to flooding so that people can get insurance. Another part of the picture is the compensation schemes that are part of the flood recovery framework. In England, for appropriate events, there was £500 per affected household and £2,500 for affected businesses provided through the local authority, and some temporary council tax and business rate relief. The arrangements in the devolved nations are a bit different and, in some cases, more generous.

I think we must look at it in the round. How can the Government help? How can they prevent this? Can they communicate much better to make sure that people are not harmed and are kept safe? Where, sadly, there is damage to property, can we make sure that the insurance system helps to minimise government expenditure, which is occasionally necessary?