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Written Question
Floods: Home Insurance
Wednesday 3rd December 2025

Asked by: Charlie Maynard (Liberal Democrat - Witney)

Question to the Department for Environment, Food and Rural Affairs:

To ask the Secretary of State for Environment, Food and Rural Affairs, what information her Department holds on the reasons for households not obtaining insurance for flooding in spite of being eligible for the Flood Re scheme; and if she will call on Flood Re to clarify why such cases are occurring in Witney constituency.

Answered by Emma Hardy - Parliamentary Under-Secretary (Department for Environment, Food and Rural Affairs)

Flood Re is a joint Government-industry scheme enabling high flood risk households to access affordable insurance. Since launch, Flood Re has supported more than 650,000 households, with 346,000 policies ceded to them in 2024/25.

Prior to Flood Re’s inception, the average home insurance quote for a householder with a flood claim was about £4,400. As of December 2024, the average was c. £1,100, with 99% of householders at high risk of flooding now able to obtain quotes from 10 or more insurers.

The decision to insure a property, and/or to cede a policy to Flood Re is a decision made by each insurance company, but all households eligible under the Flood Re Scheme should be able to access to flood insurance cover. It remains important that policy holders shop around for an insurer to find the most suitable policy for their needs as individual insurers will consider a range of factors in setting their premiums.

Defra continues working with Flood Re and insurers to monitor affordability, and have not been made aware of any Flood Re eligible properties being refused flood cover on an industry wide basis.

Speech in Westminster Hall - Wed 03 Dec 2025
Oxford to Cambridge Growth Corridor

"East West Rail is a huge project and will bring a lot of benefits, but my hon. Friend’s constituency of Ely and East Cambridgeshire is at the far end in Cambridgeshire and my constituency of Witney is at the far end in the west. Does she agree that such projects …..."
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Speech in Westminster Hall - Wed 03 Dec 2025
Oxford to Cambridge Growth Corridor

"Will my hon. Friend give way?..."
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Speech in Commons Chamber - Wed 03 Dec 2025
OBR: Resignation of Chair

"On behalf of my party, I thank Richard Hughes for his service. We respect his resignation. I also thank Laura Gardiner, Professor Ciaran Martin and Huw Stephens for the very quick turnaround of the investigatory report on the leak. In that report, the point is made that, unlike all other …..."
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Scheduled Event - 2 Dec 2025, 2:30 p.m. - Add to calendar
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Commons - Westminster Hall debate - Westminster Hall
Reform of gambling regulation
MP: Charlie Maynard
Speech in Westminster Hall - Tue 02 Dec 2025
Gambling: Regulatory Reform

"I thank the Minister for that. I believe we have covered everything. I appreciate everybody’s being here.

Question put and agreed to.

Resolved,

That this House has considered reform of gambling regulation...."
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Speech in Commons Chamber - Tue 02 Dec 2025
Budget Resolutions

"Will the hon. Member give way?..."
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Speech in Westminster Hall - Tue 02 Dec 2025
Gambling: Regulatory Reform

"I fully agree and will cover that shortly.

The Lancet commission concluded that

“gambling poses a threat to public health, the control of which requires a substantial expansion and tightening of gambling industry regulation”.

So what should we do? First, we should limit the impact of gambling advertising, marketing and …..."
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Speech in Westminster Hall - Tue 02 Dec 2025
Gambling: Regulatory Reform

"I beg to move,

That this House has considered reform of gambling regulation.

It is a pleasure to serve under your chairmanship, Sir Desmond. We are here to talk about gambling regulation and to discuss the scale of the problem. There is clear evidence that current regulation of the gambling …..."
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Speech in Westminster Hall - Tue 02 Dec 2025
Gambling: Regulatory Reform

"I thank the Minister and the shadow Minister, the hon. Member for Old Bexley and Sidcup (Mr French), as well as all the Members who attended the debate; and you, Sir Desmond, for chairing it. I appreciate the sensible, fair and respectful way that we have handled the debate and …..."
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