Flood Insurance: Reform of Flood Re

Debate between Adam Dance and Emma Hardy

Wednesday 1st July 2026 Commons Chamber

[Emma Hardy]

I well remember very well my hon. Friend raising the issue affecting his constituency. Let me reassure him. The flood performance certificate pilots will include social housing and lower-income communities, as we recognise that some will need support to increase their resilience. We are piloting the certificates across a range of different homes so that we can gather that intelligence before we decide what further steps to take.

[Adam Dance (Yeovil) (LD)]

Ilminster residents, like Krystal, who have houses on floodplains tell me that they cannot obtain insurance, although people living up the road can. The Minister has confirmed that the eligibility criteria remain under review. Will she commit to reviewing the exclusion of homes built after 2009, and will she also undertake to make the whole process fairer, so people like Krystal, throughout my constituency, can obtain affordable insurance?

[Emma Hardy]

I recognise how difficult it is when people cannot afford insurance. There are no current plans to look at homes built after 2009, but of course the Government always keep everything under review.