Flood Risk Insurance Calculator
Our flood risk insurance calculator estimates the impact of flood risk on your home insurance premium and explains the Flood Re scheme that provides affordable cover to high-risk properties. If your property has flooded previously or is in a known flood zone, understanding your insurance options is essential.
Flood Risk Home Insurance Estimator
Estimate home insurance costs if your property is in a flood-risk area. Includes Flood Re scheme eligibility check (properties built before 2009).
How Flood Risk Affects Home Insurance
Properties in flood risk areas may face significantly higher home insurance premiums, policy excesses for flood events of £1,000–£5,000, or outright refusal of cover from standard insurers. The government and insurance industry address this through the Flood Re reinsurance scheme, which allows eligible households to buy insurance through normal channels at more affordable rates. Flood Re covers homes built before 2009 in England, Scotland, Wales, and Northern Ireland. To check standard premium estimates as a comparison baseline, use our Home Insurance Calculator, and our Home Energy Savings Calculator to explore flood resilience improvement grants that may be available.
Frequently Asked Questions
Check the Environment Agency flood risk map (flood-map-for-planning.service.gov.uk) for England, or equivalent maps for Scotland (SEPA), Wales (NRW), and Northern Ireland (Rivers Agency).
Contact BIBA — they operate a Flood Insurance Directory and can direct you to insurers who will consider high-risk properties. Flood Re eligible properties are almost always insurable through the scheme.
Yes — Flood Re operates for both buildings and contents policies. A combined policy from an insurer participating in Flood Re covers both structure and possessions for eligible properties.
Property-level flood resistance measures — flood barriers, air brick covers, non-return valves on drains, and flood-resilient materials — can reduce both flood damage and insurance premiums. Some local authorities provide grants toward the cost of these measures.
Almost certainly — the frequency and severity of flood events is increasing with climate change, and insurers are repricing accordingly. Properties in marginal flood zones today may become more seriously at risk in coming decades.
Enter your postcode and property type. Flood risk insurance is available to most properties in England through the Flood Re scheme, which allows insurers to offer affordable cover to higher-risk properties by reinsuring flood cover at a subsidised rate. Not all properties are eligible — Flood Re does not cover properties built after 1 January 2009, commercial properties, or certain converted properties. If your property is ineligible for Flood Re, specialist high-risk insurers may be your only option and premiums can be substantial. Check the Environment Agency flood risk map (gov.uk/check-flood-risk) to understand your property’s risk level before applying for cover — the flood risk designation affects premiums significantly and understanding your risk helps you compare quotes meaningfully.
Important Information
This calculator is provided for general information and planning purposes only. It does not constitute financial or tax advice and should not be relied upon as such. Figures are indicative estimates based on simplified, publicly available criteria and stated assumptions. Actual results depend on your full circumstances. See our Disclaimer for further information.