The short answer
Flood Re is a reinsurance scheme letting UK insurers offer affordable flood cover on homes built before 2009 in Council Tax bands A–H. It applies behind the scenes — you still buy from a normal insurer. Excludes leasehold blocks of 4+ flats, purpose-built blocks, and homes built since 2009.
Frequently asked
- Does Flood Re cap my excess?
- Yes — flood excess is capped at £250 on policies placed via the scheme, vs £1,000–£10,000 on the open market.
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