National Planning Policy Framework

Jim Shannon Excerpts

Thursday 16th July 2026 Westminster Hall

[Tessa Munt]

I take the right hon. Gentleman’s point. I will suggest to the Minister that, if he wishes to pursue a policy of building on land that will almost certainly flood, we need to put those buildings on stilts. That is not impossible, and there is certainly one very beautiful house on the levels that sits on stilts.

Yatton, the village subject to the decision, sits within the North Somerset levels, barely 2 km from the Bristol channel. On Friday 12 June, the High Court handed down its judgment permitting the development of 190 homes in this flood-prone area, on a site that failed the flood risk sequential test. The judgment follows the NPPF exactly, as the judge had to, and prioritised building homes over protection from flooding. It imperils not only the new homes—I should explain that the judge said that homeowners threatened by flooding had sufficient time to vacate their houses before the floodwater reached them—but the homes and businesses in and around the Yatton site. The impact of flooding does not disappear just because people can get away safely. This is about property as well as people. The damage to wellbeing and mental health takes its toll on those affected, as does the damage to property, which can take months and sometimes years to remedy and replace.

I would not want the Minister to think that this is a case of nimbyism and anti-development sentiment by those in rural areas. My Lib Dem colleagues and I agree with the Government’s desire to meet the huge need for housing across the country. There are 12,800 people on the Homefinder list in Somerset, which covers 66% of my patch, and a similar proportion on the North Somerset list.

I am chair of the all-party parliamentary group on flooding and flooded communities. Many of our discussions centre on the Flood Re scheme, which was a great initiative that meant insurers could cover flooding claims and the premiums for home insurance in high flood risk areas were not astronomical. The scheme comes to an end in 2039, and the Government have been very clear that it will not be extended. As set out in legislation, homes built after 2009 are not covered by the scheme. As we get closer to that 2039 date, more and more homes built in high flood risk areas are not covered by the scheme and so risk becoming uninsurable and consequently unmortgageable. The consequences for developers and those who have already bought the homes will be awful. And the Yatton decision compounds the problems with the NPPF in allowing the need for home building to override common sense.

To press the point, it is very likely that residents of new homes built on floodplains, such as those in Yatton, will face flooding damage in the coming years. Not only will they not be able to make an insurance claim, but any new buyers will likely struggle to access a mortgage. Residents may well end up trapped, unable to sell a home that might cost them thousands of pounds in repairs every winter. The Minister knows the weather experts say that what we are experiencing now is the most stable weather that we are ever going to see.

I mentioned that the current neighbours would also be affected due to the simple fact that the floodwater must go somewhere. If developers choose to build up the land on which they wish to develop, the floodwater may well not hit those homes precisely, but will cause the existing homes and businesses in the area to be flooded more greatly. I have a lovely set of photographs of the land I am speaking about, which I will send to the Minister, showing exactly how it floods every year.

[Jim Shannon (Strangford) (DUP)]

I commend the hon. Lady for the ambition she has put forward. Does she not agree that there is a risk of severe regulatory divergence? If the English planning system undergoes massive deregulation and introduces a faster, rules-based yes by default to major projects, capital will do what it always does and flow through the path of least resistance. The Government and the Minister need to ensure that the possibility she outlines for her constituents does not happen elsewhere.

[Tessa Munt]

I thank the hon. Gentleman for his intervention. The point I would like to make to the Minister is that, if developers choose to raise the level of the land on which they wish to build, we make a complete mockery of the Environment Agency’s work in relation to the LiDAR data that it uses to measure flood risk. There will be little pockets that are no longer in flood zone 3a, for example, but everybody else is then in a more problematic area for flooding. The current neighbours would be affected, because floodwater has to go somewhere. In the event of flooding, if the properties are lifted above sea level by raising the land, the displaced water goes straight into existing homes and businesses.

The Association of British Insurers has been clear that, while it supports the Government’s ambition to deliver 1.5 million homes, it has serious concerns about allowing developers to bypass the flood risk sequential test in areas at high risk of surface water flooding, which is precisely the kind of decision we have seen play out in Yatton. The scale of the risk to which it points is sobering.

The Environment Agency’s national assessment of flood and coastal erosion risk shows that 6.3 million homes in England are already at risk of flooding, 4.6 million of them from surface water alone. In just the first quarter of this year, insurers paid out £846 million in property claims, with the average weather-related claim reaching £6,040—the highest first quarter figure on record. Subsidence claims, often linked to the same extreme weather, rose 9% year on year to £17,820. Research commissioned by Aviva suggests that 11% of new homes built between 2022 and 2024 are already at risk of flooding, and that figure is projected to rise to one in seven by 2050, once climate change is factored in.

That is why I believe the Association of British Insurers, together with UK Finance and flood campaigners, has written directly to the Secretaries of State for Environment, Food and Rural Affairs and for Housing, Communities and Local Government to raise the alarm. The message is simple: rather than weakening the sequential test, the Government should mandate sustainable drainage systems, finally implementing schedule 3 to the Flood and Water Management Act 2010. That legislation has been in the ether, unimplemented, for nearly 16 years. It is telling that 66% of the public already say that they do not believe the country or their local area is prepared for future flooding. Ignoring the industry that pays out when floods happen is really not the way to change people’s minds.

I put it to the Minister that Somerset council is required to deliver 75,000 new homes in the next 20 years, and I believe that North Somerset has to produce nearly 25,000 new homes in the next 15 years. To repeat something that one of my colleagues on Somerset council says, it has taken since the dawn of time for the population of the Somerset council area—not including the North Somerset council area—to reach 560,000. I am keen to know why the Minister and his Government believe that the population will grow by more than 75,000 people in the next 20 years. That is a 13% increase, when it has taken centuries to get to 560,000. It is a ridiculous population increase, and it is not realistic in the slightest. For context, the Office for National Statistics projects that the entire population of the United Kingdom will grow from around 70 million to around 72 million over the same period—a rise of just 2.8%.

I am the first to recognise that Wells and Mendip Hills is a lovely place to live—actually the best—but, even allowing for that huge appeal, I struggle to understand why the Government believe that such a disproportionately rural area will see growth at almost five times the national rate. The NPPF changes will affect much more than just flood risk—our area and its green spaces will be under pressure.

It seems especially disproportionate when I look at Bristol, my local city, which I love dearly. Its population is projected to grow by about 10%, which is again above the national average. It seems that those in Somerset and North Somerset will be asked to take a huge number of new residents. I do not know where they are coming from, and I cannot quite see how the Government have come to those figures. I would be grateful if the Minister could write to me on how his team has come to that assumption.

The last matter I would like to raise is that farmers run factories. Those factories are the agricultural land—it is just that we do not have roofs on them. That is no different from any other part of the country that has some sort of manufacturing. Farmers use fields, and they do not have roofs, so it is quite hard for people to spot the fact that they are food factories. In the interests of an honest debate, I acknowledge that many in the farming community welcome what is set out in the new NPPF, but that comes with real caveats. It is worth the House hearing what they are.

A lot of our greenhouses are more than 40 years old and in urgent need of modernisation, yet large glasshouse developments are still routinely treated as major infrastructure projects, which triggers huge delays that again undermine our domestic food production. My colleagues will need no second invitation on this point: food security is national security. I am really glad that the Government recognised that in February. Ensuring that our farmers can produce the food this country needs is of critical importance in what is a very unstable world.

Will the Minister consider the points that I have made and write to me about the population figures? I want to make absolutely certain that he does not misunderstand me; this is not a sentimental case for nature and green spaces. It is very realistic damage that is happening to Somerset.

--- Later in debate ---

[Damian Hinds (East Hampshire) (Con)]

It is a great pleasure to see you in the Chair, Sir Desmond. I congratulate the hon. Member for Wells and Mendip Hills (Tessa Munt). I will try to cover four aspects of the NPPF in just short of four minutes. The first is what the NPPF says on intentional unauthorised development. I welcome the move towards stronger wording in that area. I should stress that I am not talking about a house extension or somebody accidentally not complying with regulations, but entire new dwellings and wilful non-compliance. I welcome the move from material consideration, as it is known, to substantial weight, but I fear it does not go far enough. As I said in my submission to the consultation, it should be set out very clearly that

“wilfully ignoring planning consent requirements will not result in retrospective planning permissions being granted”,

and that this cannot in normal circumstances be overridden by personal circumstance arguments. Other things could be done in support, such as making sure that stop notices are easier to issue, and restrictions on things like delivery of construction materials and mobile homes to unlawful sites.

The Minister and I have discussed the NPPF housing formula many times across this Floor. He is a very diligent Minister and, although he always robustly defends the Government line, which is kind of annoying, he always does it with great courtesy. I thank him for that. The problem is that this formula has meant a massive increase in housing numbers for the countryside. It is not a north-south thing; it is an urban to countryside shift. Whereas the numbers have gone up by 50% for the country overall, in East Hampshire they have doubled. When that happens overnight, no one has a five-year land supply that can deal with it, so we get speculative developments.

That has been brought into sharp relief by the issue of water supply, which has particularly come to prominence since South East Water’s submission to the Basingstoke and Deane local plan. The Basingstoke area that it talks about—zone 4, as it is known—extends to Alton and around my constituency. The Environment Agency has stopped the extension of the abstraction licence at Greywell Fen because of the degradation of that globally rare site of special scientific interest. I met South East Water recently to discuss this. There are questions outstanding, particularly regarding parts of my constituency. Clearly, action should have happened before now, but a doubling of the housing target hugely exacerbates the issue. Large- scale development should not go ahead unless and until this issue is resolved.

[Jim Shannon]

I commend the right hon. Gentleman on his speech. I know that the Minister is not responsible for my constituency across the water, but does the right hon. Gentleman feel that recommendations and good things learned on the mainland should be shared with us back home to ensure that we do not have the same problems that seem to be repeating over and over again here?

[Damian Hinds]

I agree. There is no practical limit on what we can learn from one another in the home nations of the United Kingdom.

I want to come on to what is known as policy L3, which concerns the minimum density requirements for areas around train stations. I have written about this in my submission to the consultation. I fear that a policy that is, on the face of it, sensible—“Let’s have people living close to train stations where they can commute to work or whatever it might be”—is really designed for urban town areas. But it will also have an impact on market towns in places like East Hampshire and in villages that just happen to have a train station. The sorts of densities discussed in the NPPF would be wholly inappropriate for market towns like Alton in East Hampshire and rural villages like Bentley or Rowland’s Castle.

Finally, I want to address how the NPPF interacts with local government reorganisation. I am totally opposed to the Government’s top-down reorganisation of Hampshire local government for multiple reasons, including the fact that it splits up an area with an identity—namely, East Hampshire. It puts the lower parts into a new Portsmouth super-council area and the rest of East Hampshire into this vast new Mid Hants unitary. Local plans have been built around existing district council geographies. For councils that are part-way through the process and about to have this enormous reorganisation thrust upon them, what is the guidance from the Government on how they should proceed?