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Flood Risk Insurance

Make sure you’re properly covered against the damage caused by flooding with a specialist flood risk property insurance policy. Compare quotes across a specialist panel of insurers here. Not sure if you need a specialist flood risk home insurance policy? Don’t worry – we’ve broken down everything you need to know about flood risks.

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FLood risk area definition

What Is A High Flood Risk Area?

A high flood risk area is any area that is at a 1% to 3% chance of being flooded annually. Typically, these are areas that are in close proximity to the sea, a river, a lake or a canal, however, areas with unusually high levels of surface water can also be considered flood risks even if they are nowhere near a large body of water.  

choosing the right flood risk area insurance

Why Choose InsureMy For Your Flood Risk Area Insurance

At InsureMy we only ever work with trusted and reputable specialist flood risk area insurers and we price match every quote, so you can be sure you’re getting the best deal. Here are just a few InsureMy perks you may struggle to find elsewhere:

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Exclusive discounts

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Instant cover

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Panel of trusted flood risk area insurers

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Lowest price guaranteed

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We know properties

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Custom options

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Is your property high flood risk

Find Out If You Live In A High Risk Flood Area

Don’t worry if you don’t know how likely your area is to flood, there’s multiple ways to asses whether your property is a flood risk. You can either pay for a professional flood risk assessment (also commonly referred to as an FRA).
Alternatively, there are local authorities that can help you determine if you live in a high flood risk area.  

FLood insurance coverage

What Does Flood Insurance Cover?

Flood insurance protects your home against any damage caused by excessive water. What you’re covered against will depend on whether you purchase buildings insurance, contents insurance or both.


Most buildings insurance policies will cover:

Drying out your home and clearing any mess caused by the flooding

Restoring fittings

The cost of any legal fees (often an optional add-on)

Cost of rebuilding property damage

Most contents insurance will cover you against any flood damage to:


Carpets and flooring

Personal valuables

Electrical goods

Is renovation insurance a necessity?

Is Flood Insurance Worth It?

Properties aren’t just at risk of flooding when they are close to large bodies of water. A burst pipe or a heavy rainfall can cause just as much damage. Prudent homeowners are aware of the risk of water damage and will insure their property accordingly. Your homes location and proximity to flood risks should help you decide if specialist flood risk insurance is right for you. However, if your property is at lower risk of flooding, the standard cover offered by most home insurance policies may be enough to satisfy your needs. Check the coverage offered by your policy carefully, and shop around if you think you need more protection.

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FAQS For flood risk area

Top FAQ's For Flood Risk Area Insurance

Read below to find out some of the most frequently asked questions around flood risk area insurance.

Does my homeowners insurance policy cover or include flood risk area?
Is flood risk area home insurance more expensive?
What is Flood RE?
How much does flood risk area insurance cost?

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Our experienced team is here to help you

Our team of dedicated insurance specialists are here to help, no matter what type of query, we’re ready for you.

Call us on 01608 647400

flood risk insurance you can trust

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01608 647400
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