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

To ask the Secretary of State for Environment, Food and Rural Affairs, whether her Department holds data on the average insurance premiums for properties in each flood risk zone in each of last five years.

Flood Re is a joint Government and industry scheme enabling households at high flood risk to access affordable insurance. Since launch, over 650,000 properties have benefitted, with 346,000 policies supported in 2024/25.

Before Flood Re, average premiums for flood-affected homes were around £4,400; now they are approximately £1,100.

Defra continues working with Flood Re and insurers to monitor affordability, support resilience, and improve outcomes through schemes like Build Back Better and the PFR Grant, alongside engagement with industry leaders at an insurance roundtable to ensure access to affordable coverage and fair claims for flood-prone homes.