Flood RE

23 September 2019

Flood Re is a not-for-profit initiative introduced by the government and the insurance industry to ensure UK homes at the highest risk of flooding can get affordable flood cover.

Vector image of house floating on water

Insurance claims can result from surface water flooding, rather than being located near a river or the sea. This makes it more difficult to predict where flooding will cause problems.

What do homeowners face if flooded?

Home can be badly damaged by flooding and it may take a year or more for it to be restored and become habitable again. It can take a significant amount of time for the property to dry out after being flooded.

Flood repairs can be costly and this can impact on future insurance premiums. If flood insurance became harder to get and more expensive, this could have serious repercussions for the property market as a whole. It can be a condition of a new mortgage to have flood insurance for your home.

You can find out more by visiting the Flood Re website.


No, insurers do not all use the same data sources. The information each insurer uses is commercially sensitive and you may find that insurers will differ in their approach.

All insurers pay a ‘levy’ into a central fund held by Flood Re. In addition, insurers can choose to place (or cede) the flood risk part of any home insurance policy with Flood Re. For these policies, the premium for the flood element will be based on the property’s Council Tax band and the flood excess will be £250.

The levies and the flood premiums collected by Flood Re will then be used to pay for flood claims on policies sent to them by the insurers.

Flood mapping software tools enable us to look at properties on an individual basis and provide bespoke underwriting decisions.

If you have any reason to complain about the advice or service you’ve received, please contact us as soon as possible. You can complain in writing or verbally at any time to:

The Baptist Insurance Company plc
Benefact House
2000 Pioneer Avenue
Gloucester Business Park
Tel: 0345 070 2223

If you’re not satisfied with our response, or we have not completed our investigation after eight weeks, we’ll inform you of your right to take the complaint to:

Financial Ombudsman Service
Exchange Tower
E14 9SR
Tel: 0800 0234 567

The Flood RE scheme makes no difference to the way you buy your home insurance. Any claims will continue to be handled by the Baptist Insurance claims team as before.

If your home is to be included in the Flood Re scheme, we will contact you ahead of your renewal date with details of your amended premium including the excess of £250 for flood.

For more information about how Flood Re works visit www.floodre.co.uk. You will also be able to find information about flood prevention and protection on this site.

Flood continues to be an issue for the UK, so Flood Re has been set up to ensure that insurance against floods continues to be available and affordable.

Baptist Insurance is supporting the Flood Re scheme. We have worked with many customers over the years to restore their homes after the devastating effects of being flooded.  

Your premium could be affected if your property is identified by us as being at risk of flooding.