Flood Re, the government-backed reinsurance scheme, covers homes built before 1 January 2009 and is due to end in 2039. If your house is on a floodplain or a soft coast, those two facts determine more about its long-term value than anything an estate agent will tell you.
Resilient Coastlines covers the point where flood risk, climate policy and property finance meet. That means the schemes and rules that decide whether a home can be insured, mortgaged and sold: Flood Re eligibility and its Build Back Better provision, the Environment Agency’s flood risk categories, Shoreline Management Plan policies of hold the line, managed realignment or no active intervention, the Property Flood Resilience grant rounds, and how lenders treat properties in each category.
Every article states in its first line which scheme, policy or rule it is about. Rates, dates and thresholds go in tables. Where a policy is changing, the current position and the scheduled change are both given, with sources. There is no campaigning here and no political opinion; the rules are stated as they stand, and what they mean for a homeowner’s mortgage, premium and resale is set out plainly.
The site is edited by Helen Garrard, who has spent years working with flood risk data and the property decisions that depend on it. Resilient Coastlines is an independent UK publication and does not provide financial, insurance or legal advice.