Humber Flood Risk Management Strategy Debate
Full Debate: Read Full DebateDepartment: Department for Environment, Food and Rural Affairs
Diana Johnson
Main Page: Diana Johnson (Labour - Kingston upon Hull North and Cottingham)Department Debates - View all Diana Johnson's debates with the Department for Environment, Food and Rural Affairs
Humber Flood Risk Management Strategy
Diana Johnson Excerpts(10 years, 4 months ago)
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Diana Johnson (Kingston upon Hull North) (Lab)
I did not intend to contribute to the debate, because the contributions that we have heard already have been of a high standard and have made the case well. I hope that the Minister will respond to the points that have been raised. However, I want to highlight one issue.
There is a knock-on effect from the investment that needs to go into the Humber area, and that relates to flood insurance. The Minister and I have had long debates about that issue in the past, but I want to highlight how important it is for the insurance industry to know that investment is going into the Humber area. That will mean that there is access to affordable flood insurance for domestic residential and business properties. I know that the Government have introduced the Flood Re scheme, which I think is to come into operation quite soon, for properties built before 2010, but I have raised with the Minister before the issue of properties built after 2010.
In my constituency, there is a large development called Kingswood, where houses are being built now. The Minister may also like to know that one of the most successful Help to Buy schemes in the country is operating on that estate. However, those properties will not be covered by the Flood Re scheme, so owner-occupiers there will be looking to the open market to get flood insurance in the future. Schemes to protect the Humber area are important in ensuring that they will be able to access affordable flood insurance.
My other point is about businesses. They will not be covered by the Flood Re scheme, either, so they, too, will be out in the open market looking for flood insurance. I am aware that in the constituency of my right hon. Friend the Member for Kingston upon Hull West and Hessle (Alan Johnson), one business has already seen a hike of 490% in its insurance premiums because of the flooding last December. I therefore urge the Minister to think again about the problems that will arise in the insurance market if the Government do not make the right noises about providing investment over the coming years for the Humber region. It is devastating for home owners when their homes are flooded, and if they do not have flood insurance it is much worse.