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

To ask the Secretary of State for Environment, Food and Rural Affairs, what assessment he has made of the potential impact of new GIS flood mapping on housebuilders' ability to secure affordable insurance for new homes.

Flood risk is an important consideration in the planning system. The Government has committed to ensure we are building more high-quality, well-designed and sustainable homes and creating places that increase climate resilience and promote nature recovery.

The National Planning Policy Framework (NPPF) is clear that inappropriate development in areas at risk of flooding should be avoided by directing development away from areas at highest risk, including floodplains. Where development is necessary, and where there are no suitable sites available in areas with a lower risk of flooding, local planning authorities and developers should ensure development is appropriately flood resilient and resistant, safe for its users for the development’s lifetime, will not increase flood risk overall and will provide wider sustainability benefits.

The Environment Agency maps show the risk of flooding to areas of land although cannot assess specific risk to individual properties. They do not show where has or has not flooded before.

On the 25 March 2025, the Environment Agency intends to publish updated flood zone data on the ‘Flood map for planning’ which will support developers and planners to find the data they need to undertake flood risk assessments.

Many insurance companies use their own flood risk maps and data, alongside a combination of risk information, to determine insurance premiums.