The likelihood of flooding may have an effect on home insurance in your area. An insurance company may ask you for more information about flood likelihood by asking you for an Insurance Related Request Letter.
See your flood risk on a map
You can find out what the likelihood of flooding from rivers, the sea and surface water is in your local area on our flood maps. This is the same information that is available to insurance companies.
Get help finding an insurer if you are high risk
Contact the National Flood Forum (NFF), an independent organisation offering advice and guidance on how to get insurance for properties at risk of flood and reduce your premium or excess.
Talk to an insurance broker specialising in properties that are difficult to insure. You should be able to find these brokers in the Yellow Pages, on the British Insurance Brokers' Association website or by calling the broker helpline on 0870 950 1790.
Contact the Association of British Insurers, who may be able to offer you advice.
Read Defra's guide to insurance for owners of property in high flood risk areas.
Tell your insurer about your flood risk
If your insurance company asks for an Insurance Related Request (IRR), please contact our enquiries team. Include the full address of the property, a contact telephone number and, if possible, a map. The team will respond to you within 20 working days.
The standard IRR is a letter which helps your insurer decide whether they will renew your housing insurance or give you a new quote. It provides information about:
- whether your property falls within or outside the area at risk of flooding
- whether there are any defences in the area and the standard of protection that they provide
- how likely flooding is, taking into account any risk management measure such as flood defence barriers in the area
- whether there are any plans for flood risk management measures in the area
An IRR is free for the public. Requests from commercial interests such as a solicitor will cost £50 (plus VAT).
Give your insurer a Flood Risk Report
- If you have fitted flood protection products to your property, ask a qualified, independent surveyor to record your flood risk on a Flood Risk Report template. The insurance industry recognise this standard template for presenting the flood risk of a property. Insurers may take the information and flood protection measures into account when deciding the terms they will offer for continued or new cover.