Following Storm Christoph last week and with flood warnings in place in many parts of the country, MoneySuperMarket reveals the UK’s flooding hotspots, with Hull the worst impacted city for the fourth year running.
The price comparison website analysed a year’s worth of home insurance quotes to see how many homes have experienced flooding.
The research finds that homeowners in Hull are most impacted, with 5.9% of quotes declaring previous experience of flooding. This is well above the national average of 0.7 per cent – but down slightly on last year’s figure of 6.8%. The port city in East Yorkshire is particularly at risk to flooding because 90% of it sits beneath the high tide line.
Carlisle (3.1%) and Lancaster (2.6%) are the next most flood-prone cities, followed by Llandudno (1.9%) and Exeter (1.8%). The Devon city is one of two cities making its first appearance in the top ten – the other is Hereford which has a flooding rate of 1.4%.
Hereford has risen significantly in the table from 38th position in 2018, to 25th position in 2019, to 10th in 2020 – a jump which is likely explained by last year’s Storm Dennis which badly impacted the city and the surrounding area.
Crewe (0.2%) and Luton (0.1%) are the areas in the UK that are least likely to experience flooding.
The UK’s 10 Flooding Hotspots
% home flooded 2020
% home flooded – 2019
% homes flooded – 2018
The research also sheds light on the impact that flooding can have on home insurance premiums, with a flooding claim adding £72 on average to premiums, while quotes are £120 higher on average when the applicant declares that flooding has previously occurred to the property.
Emma Garland, data expert at MoneySuperMarket, said: “Storm Christoph was an unwanted reminder that flooding affects tens of thousands of Britons every year, with people in Hull bearing the brunt more than any others.
“If you live in a flood risk area, be proactive and protect your possessions by taking preventative measures like installing flood resistant doors and windows.
“Of course, you’ll want to make sure that you’ve got the right home and contents insurance policy. Use the MoneySuperMarket home insurance comparison tool and browse a list of policies. People that live in flood risk areas can result end up paying higher home and contents insurance premiums but it’s possible to keep these costs down. If you shop around it’s possible to save up to £108 on your policy.
“And you should also look into Flood Re – a joint initiative between the Government and insurers which aims to make flood cover more affordable for homeowners living in areas that are flood risks.”
MoneySuperMarket’s top tips to keep your home safe in the event of flooding include:
1) Listen for flood warnings – The Environment Agency sends free flood warnings to you directly by phone, text or email. You can also check the radio, TV news as well as gov.uk.
2) Take preventative measures – Flood resistant doors and windows mean that there’s less chance of water entering your house. Block air bricks and other places where water might get into your property.
3) Protect your possessions – If flooding is looking likely, take any valuables upstairs as soon as possible and turn off your gas, electricity and water supplies. Don’t enter standing water if your electricity supply is on as it is an electrocution risk, and don’t drink tap water until you’re given the all-clear by the authorities.
4) Keep your insurance policy to hand and take pictures – Contact your insurer as soon as possible and tell them your home has been flooded. Take pictures of any damage to your home and its contents, as this could provide support for an insurance claim.
Head to the MoneySuperMarket website to find the best deals on home insurance.
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