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Flood Re Home Insurance

Flood Re is a joint UK Government and Insurance Industry initiative to help those households who live in a flood risk area obtain affordable home insurance.

Flood Re works in the background to assist the insurance industry to offer affordable insurance to everyone owning or living in eligible properties. Flood Re collects an annual tax from every home insurer in the UK which contributes to a fund each year that is managed centrally. Insurance companies pass on the flood risk part of the policy to Flood Re who then take responsibility for that part of the policy. If you make a valid claim on your insurance then Flood Re reimburses the insurer from the central Flood Re fund.

Over time, it is estimated that Flood Re will benefit over 350,000 households nationwide by having access to more affordable policies.

More information can be found on the FLOOD re (opens new window) website.