Changing Weather Patterns and Floods

Baroness Boycott Excerpts

Thursday 12th February 2026 Lords Chamber

[Baroness Hayman of Ullock (Lab)]

As someone who spent four hours baling to try to stop her house being flooded last November, I am completely in support of much of what the noble Earl is talking about. We have to take climate change seriously. We know, as I mentioned in the Answer to the first Question, that the report has indicated clearly that these issues are only going to increase. We in the department are working with other departments—this is not just a Defra issue—on how we can better tackle climate change so that future generations are safe.

[Baroness Boycott (CB)]

I have two questions. One is about new-build housing. As I understand it from the Planning Act, we have not enforced that new-build housing—especially that being built on flood plains, which is happening—must have flood defences. Responsibility for this is being handed back to the homeowner, and it is expensive: look it up online and you will see it is between £3,000 and £20,000.

Secondly, I know of many people who are finding insurance either hard to get or increasingly expensive because they are living in homes that are flooded almost annually. Are the Government dealing with this? Are they proposing anything like what happened in California, where the state more or less had to take over the insurance system in areas that regularly get burned?

[Baroness Hayman of Ullock (Lab)]

First, regarding development on flood plains, MHCLG is consulting on the new National Planning Policy Framework, which will introduce a dedicated chapter on planning for flood risk and coastal change to help ensure that local plans are informed by the latest evidence and that planning decisions support long-term climate adaptation and coastal management goals. That is part of those planning reforms.

Regarding flooding, as I mentioned, I have a house that is on a river. We have to use the Flood Re scheme, as other people do with insurance. That really is the most effective way to ensure that you can get affordable insurance if you live in a house that is designated to be at risk of flooding.