Where in the UK is most prone to flooding
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.
Neil Shaw www.hulldailymail.co.uk
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 38 th position in 2018, to 25 th position in 2019, to 10 th 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
|Location||2020 rank||% home flooded 2020||2019 rank||% home flooded – 2019||2018 rank||% 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.”