Flood Disaster Information

Flood Insurance Rates

There are over two million privately owned homes in the United Kingdom that are in danger because of flooding damage.  These homes, shops and other properties are located in places that receive heavy rainfall, or coastal areas that might get high tides. Weather is a major factor, but homes are also at risk from flooding due to burst pipes or faulty plumbing. 

Coastal areas are some of the highest risk zones. There are other areas that might be considered higher risk than others.  If you live in a high risk zone (such as a flood plain or downstream from a reservoir), it’s worthwhile to make sure you have adequate flood insurance coverage.  More than half of British homeowners didn’t have enough flood coverage according to a recent poll!  It’s not wise to wait until it’s too late. In 2006, 52% of flood victims didn’t have adequate coverage.

During a recent survey, it was found that the British population was grossly underinsured against flooding. The results of this survey are supported by the 52% of consumers affected by flooding in 2006, only to find that their insurance did not cover flooding. Premiums will vary based on level of risk to flooding in your area.  Flood maps, created by the Environmental Agency, are utilized by insurance companies to calculate flooding risk. If an area has a 1 in 75 chance or higher of flooding, it is determined to be a high risk area. 

Areas with a 1 in 200 chance of flooding are considered low risk. Residences within the high risk area should anticipate paying highly for flood insurance, if coverage is obtainable, while medium to low risk areas could expect a tiered payment scale in line with the amount of flooding risk.

When purchasing insurance of any type, it’s important to do an apples-to-apples comparison of prices, especially if you own a home in a high risk zone. There can be a great variance in premiums and amount of coverage.  You can shop for a policy online from the comfort of your home, or you can do research on your own time. You can also visit a specialist insurance broker who will give you quotes for multiple insurance policies to meet your needs. These quotes should include flood damage and will clearly outline what is covered by the policy and what is not. 

Some companies use postcodes to assess the risk of your property. They look at your postcode and compare it to the list of areas considered to be high risk zones. This method can misrepresent the risk of your particular property and you may be over paying!  Shopping around and comparing policies allows you to find the best coverage at the best premium. 

NYC Flood Zones Cydia App: New York City Hurricane Evacuation Zones

Chinese map of the Great Flood, from.. - 3x2 inch Fridge Magnet - large magnetic button - Magnet $4.99 Rectangular wrap-around refrigerator magnet and a glossy mylar cover.Large 2x3 inch rectangle fridge magnet or 'buttons' as they are sometimes known in the USA.Crop shown is automated for display purposes only. All magnets are hand finished and the best most appropriate crop will always be selected to best show the full image. Therefore, actual product may vary slightly from crop shown - this can ...

Chinese map of the Great Flood, from.. - Mug - Standard Size $14.50 This mug is created using the finest dye sublimation techniques and creates a stunning dishwasher safe finish. Great as a gift, or for promotional items. Each of our mugs come individually boxed for protection in transit....

Chinese map of the Great Flood, from.. - Tea Towel 100% Cotton - Art247 - Tea Towel - 46x70cm $20.49 100% Cotton. Made in UK. Size 70cms X 46cmsThis is an automated preview only. Actual Tea Towel design may vary. All products are hand finished by our expert manufacturers and the best crop available will always be selected....

Smith & Wesson Galaxy 6 LED Flashlight (3 Red + 3 White LEDs) $20.44 Smith & Wesson Powertech Galaxy 6 LED Flashlights, Colors Smith & Wesson Powertech Galaxy 6 Flashlight - Red LED...

Bright 12 LED White Color Cabin Light Chart Map Light - Waterproof housing, 12 Volt Cabin Light for Auto, RV, Truck, Aircraft $39.95 Ideal anywhere you need bright, low power consumption LED lighting. Customers use these fixtures in RVs, Trucks, Cars, Boats and Aircraft. Ideal for wet or high-vibration applications. Clients report these work well as under-vehicle lighting, truck-bed, RV or general utility lighting fixtures. These 12 LED cabin fixtures broadcast a broad, "flood" lighting pattern. Compact in size at just 3 x 2 x ...

Noah's Flood Alarm $5.00 This simple device could save you thousands in home repairs caused by water damage. When the water reaches the level of the sensor the flood alarm will sound to alert you before the water overflows. You can now eliminate flooded basements, garages, laundry rooms, bathrooms, pools, sinks, toilets, and hot-water heaters....

Chinese map of the Great Flood, from.. - Greeting Card (Pack of 2) - 7x5 inch - Art247 - Standard Size - Pack Of 2 $6.50 This photographic Greeting Card is created on 300gsm FSC approved card. The result - a stunning reproduction at an affordable price. Actual size 7x5 inch.Greeting card comes with high grade white envelope as standard.This is an automated preview only. Actual Greeting Card design may vary. All products are hand finished by our expert manufacturers and the best crop available will always be selected...

Chinese map of the Great Flood, from.. - iPad Cover (Protective Sleeve) - Art247 - IPads 1 And 2 $32.00 Fits iPads 1 & 2Finest NeopreneThis is an automated preview only. Actual iPad Covers design may vary. All products are hand finished by our expert manufacturers and the best crop available will always be selected....

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Bell Auto Car Interior Map Light 12V LED Flexible $10.95 Bell Automotive Product 22063-8 Plugs into your car cigarette lighter Neck flexes to any position Blue LED flood light easy on drivers eyes...