Flooding is the biggest natural threat this country faces. By working in partnership with others we can all work together to help combat the rising risk that increased flooding brings.


In a survey undertaken by the Know Your Flood Risk Campaign, despite that 1 in 4 homes are at risk of flood, 83% of homeowners do not believe their homes are at risk. Know Your Flood Risk pledges to continue raising the awareness of the issue of flood risk, and provide homeowners and businesses with practical guidance. Know Your Flood Risk will continue to invest in PR in order to ensure flood risk is high on the media agenda – not just in "rainy season".

2In the same survey, 68% of homeowners surveyed have put no measures in place to minimise the risk to their home in the event of flooding, and 95% of those surveyed have contents insurance but 45% do not know if it covers flooding. Know Your Flood Risk pledges to continue campaigning and producing consumer and business advice on preparing for being flooded and how to mitigate against it.

3Whilst the ABI had been successful in brokering the Statement of Principles agreement with the Government in 2002, and renewing it in June 2008, the Statement of Principles is no longer sustainable as it distorts the insurance market, reduces incentive to invest in flood risk management, and does not apply to new developments built after 2009. Know Your Flood Risk will be working with the insurance industry in finding alternatives to the Statement of Principles that comes to an end in June 2013.

We live in a harsh economic climate. However it is essential that the coalition government take the threat of flooding seriously and do not make any further cuts to flood risk management spending. Know Your Flood Risk aims to work with key stakeholders to ensure that there is effective use of flood defence spending to deliver the best possible outcomes.


Following the summer 2007 floods, the Government commissioned a comprehensive review of events. The Pitt Review documented 92 recommendations in order to better prepare for future flooding.

The Government's response to this was the Flood and Water Management Act 2010, which aims to improve the ability to manage the risk of flooding in the UK by clarifying who is responsible for what. As of April 2011, Local Authorities are now responsible for managing the risk of local floods (groundwater, surface water and ordinary water course flooding).

Know Your Flood Risk will work with Local Authorities and councils in providing practical guidance and advice for their local areas.

5Flood risk data and mapping is critical to the effective management of flood risk to make sufficient plans for implementing flood defences, to enable insurers to set accurate prices, assist conveyancers and property professionals adhere to best practice, and to provide developers, consumers and business to be able to make informed choices about investments in flood risk areas.

Know Your Flood Risk will continue to work with major data providers in order to keep up with evolving modelling techniques, and to fully understand the types and levels of flood risk.

6Know Your Flood Risk will act as a communications hub to bring together and disseminate information, influence decision makers, help shape legislation and contribute in responding to consultation papers. Know Your Flood Risk will contribute through marketing activities including PR, social media and lobbying.