Flood Risk

Answer: On the second point, I am happy to pass on the hon. Gentleman's point to the industry. However, from my conversations with many people who were affected, including those in his constituency, and with hon. Members, it appears that the insurance industry responded well by and large in terms of sending assessors. I understand the point about payment; quite a lot has already been paid out. On the first point, the hon. Gentleman knows that we have considerably strengthened the guidance in planning policy statement 25. We have given the Environment Agency, which is the expert on where there is a risk of flooding, a statutory right to be consulted. Ministers, of course, have a right to call in proposals. In the light of the strengthened guidance, it is a continuing responsibility on local authorities to ask themselves whether, if they intend to build on a flood plain, they can adequately defend against a risk that is increasing because the climate is changing. Approximately 2 million homes in the country are built on a flood plain. The building that we are in now is on a flood plain, but it has a defence. Local authorities must weigh that up when making decisions so that we do not add to the problems.

This is an answer to the Oral question asked on Thursday, 25 October 2007 by Martin Horwood (Liberal Democrat).

Question: I appreciate the Secretary of State's interest in the impact of flooding in Gloucestershire, and in my constituency in particular. There are two issues that I would like him to raise with the insurers. First, is it wise to keep building planned houses on areas that flooded in July, like Leckhampton in my constituency? Will the homes built there be insurable at any economic premium? Secondly, will the insurers be able to expedite payments to small businesses affected by the flooding? Many of them are still waiting for compensation months later, with an obvious impact on their cash flow, their bank charges and the interest that they pay on their overdrafts.

Secondary information