Baroness Willis of Summertown (CB)

My Lords, I declare my interest as noted in the register as a non-executive director of NatCap Research. This declaration is particularly appropriate as I stand to support the noble Baroness, Lady McIntosh of Pickering, in bringing back this sensible amendment—indeed, I support all the amendments in this group—because this company, along with many others, provides a scientific evidence base for nature and climate-based risks for companies that are concerned about the changing environmental landscape in which they find themselves, not least because of the costs to their businesses, stocks and shares, and the bottom line if they do not bring in mitigation measures. I am therefore struggling to understand why the Government feel unable to support such a sensible amendment, which would ensure the same sort of mitigation approach for individual homeowners, especially those in the lower socioeconomic bands who may not be able to afford the high costs of flood risk or have any insurance. We must acknowledge that flood risk is real. We hear many examples, and I could give more— I will not, because of time. It is a rapidly increasing risk. It is not something that might happen; it is something that will happen, and we are seeing yearly changes occurring now. What is being suggested here are simple and low-cost measures that can be taken by developers to ensure that the homes they sell in areas of higher flood risk are future-proofed. In Committee, the Minister responded that: “Designers of new homes may also choose to follow the Construction Industry Research and Information Association code of practice, which includes installing flood-resilient features”.—[Official Report, 4/9/25; col. 1024.] What happens when designers decide not to follow this and the burden of repairing homes damaged by flooding falls to the owners and their insurers? Strengthening planning rules to encourage low-cost property resilience measures, such as those proposed in this amendment, means that the risk to individual homeowners can be reduced from the outset, and the costs of flooding—not just financial but to mental well- being—can be avoided.