Homeowners still at flooding risk

Despite the huge cost of last summer's floods, an overwhelming 83 per cent of people living in the worst-hit areas believe there is nothing they can do to protect their home.

A study by Norwich Union reveals 83 per cent of people living in Gloucester, Tewksbury, Hull, Sheffield and Rotherham believe there is nothing they can do to protect their home from flooding.

Consequently, 95 per cent have not taken any measures that could help prevent future damage to their homes.

Mary Dhonau, chief executive of the National Flood Forum, says: "Having been flooded myself, I know what an awful experience it can be.

"Adapting or altering your home can significantly lessen both the practical and emotional impact of flood.

"Not only can damage to your personal possessions and furnishings be reduced you could be back in your home quicker after a flood - if you have to move out at all."

Of those affected by last year's floods, 46 per cent said they chose not to make changes to their property because they "wanted their home put back exactly as it was before".

Others – some 45 per cent – believe it was not their responsibility, more that it lies with their local authority or the government.

Simon Black, head of flood mapping at Norwich Union, says there is a clear need for more education and understanding about the benefits of flood resistant and resilient measures.

"We believe that everyone has a responsibility to help reduce the risk of flood damage and that includes the government, with continued investment in flood defences, and the home owner," he explained.

Last year's floods caused damage worth £2 billion and insurance companies have warned they will not be able to continue providing flood insurance if the government continues to allow building on floodplains.