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'Future scandal' as thousands of new homes built in flood zones

Analysis shows 11% of 396,602 homes built between 2022 and 2024 face medium or high flood risk, with Greater London and Essex most affected, experts warn of planning policy issues.

  • Analysis by insurer Aviva of homes built between 2022 and 2024 found 11% of 396,602 new homes in England are in medium or high flood-risk areas, with 26% facing some flood risk.
  • Weakened planning rules combined with supply pressures such as high interest rates, rising costs, and a 22% drop in planning applications in 2023 have raised flood-risk homebuilding, analysts say.
  • Using new-homes address data and EA assessments, Aviva found a third of the constituencies most affected are in Greater London and Essex, with London building around 32,000–35,000 homes annually between 2022 and 2024.
  • Because homes built since 2009 are excluded from the Flood Re insurance scheme, Emma Howard Boyd warned this leaves recent homes unprotected and is "a future scandal waiting to happen".
  • With scientists warning that parts of the UK face further flooding, by 2050 one in seven homes built will be at high or medium flood risk and nearly a third face some risk.
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Sky News UK broke the news in United Kingdom on Wednesday, February 18, 2026.
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