Improving The Uptake Of Flood Risk Adaptation
Measures For Domestic Properties In An
Insurance Regime Under Transition
Author(s)
D. Cameron & D. Proverbs
Abstract
In June 2013 the UK Government and the ABI announced plans for a new system
of insurance called ‘Flood Re’. This announcement was the first step towards
setting up a ‘not for profit’ scheme which aims to ensure the continuation of
affordable insurance for households with the highest flood risk. This research
investigates whether the widespread provision of flood insurance is a factor in the
low uptake of property level resilience measures. In the context of transition it
further examines whether there is growing impetus for the concept of
incorporating such measures. The literature establishes that the historic insurance
regime provided few incentives for installation of flood resilience measures and
that there are a number of factors beyond the provision of insurance which
influence the low uptake of measures. The impact of potential changes in the
insurance regime is explored in more detail through a number of semi-structured
interviews with key flood risk management professionals and academics. The
research finds that links between the provision of insurance and the installation of
resilience measures are significant. Flood resilience measures will continue to be
part of the wider strategy of community engagement with an integrated approach
to flood risk management. The newly proposed ‘Flood Re’ is intended to be a
transitory measure that will allow householders to adapt and take the necessary
measures to protect themselves. However, in the long term, the anticipated move
towards risk based pricing in whatever form may provide better incentives to
households to adapt and this could be reinforced by other measures to support
households in adaptation.
Keywords
adaptation, flood risk management, insurance, resilience.
Related Book
Other papers in this volume
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