Written Question·Department for Environment, Food and Rural Affairs·UIN 95321

Floods: Home Insurance

Tabled: 27 November 2025

Answered: 4 December 2025

Question

Charlie Maynard

To ask the Secretary of State for Environment, Food and Rural Affairs, whether she can disclose how much additional risk the Flood Re scheme is underwriting this year than it was when it launched; and whether she holds any information about the sustainabi

Answer

Emma Hardy

In its first operational year (2016/17), the Flood Re scheme’s Liability Limit was £2.1 billion and 127,326 policies were ceded to the scheme. By 2024/25, 346,200 policies were ceded and from 1 April 2025, the Liability Limit reset to £3.2 billion for thr...

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