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Flood Risk Insurance

Get specialist flood risk home insurance from us, no matter the circumstances or where you live. We’re one of only a few insurance companies able to access a range of policies for owners of properties located in areas with a moderate or high risk of flooding, as well as  those that have previously flooded.

Existing customers please call:

What is flood risk home insurance?

Flood risk home insurance generally covers your home and possessions against flooding caused by rivers, lakes, streams and tidal waves. This type of cover protects your home if you live in a flood risk area and can pay the costs of drying out your home, removing debris and repairing your property following a flood.

Homes next to river
Homes next to river

Over 81% of customers who got an online quote could have saved money if they’d called us instead.

House near river

Who can get flood risk home insurance?

If you live in an area deemed to be a high flood risk, or you have been unlucky enough to have experienced a flood at your property in the past, you will probably have experienced problems getting insurance cover. 

Flood risk home insurance is designed to help those who struggle to get insurance due to a previous history of flooding.

House near river

What does flood risk home insurance cover?

As a specialist home insurance broker, we work with a number of different insurance companies to ensure you get the best flood risk home insurance policy available. Our policies can include:

  • Cover is available for all types of properties in flood risk areas, including listed homes
  • Claims hotline with counselling support
  • Domestic Assistance Helpline with advice and contact details for tradesmen
  • Discounts for alarms and security locks
  • Discount when you take out combined buildings and contents cover
  • FloodRe enabled policies available

Get a Flood Risk Insurance Quote

Homes near the sea

Why choose Adrian Flux’s home insurance for flood risk areas?

We look at every circumstance individually. Our highly-trained staff can investigate the background of each case and are not tied to computer rates or postcode-based exclusions. And as we provide quotes over the phone, we’re able to ask questions that can help you get a policy that better reflects your situation.

For example, if you live at the top of a hill in a flood-prone district, or if a previously flooded property is now protected by improved defences, the rate offered can reflect this reduced risk. 

As a result of this case-by-case approach, in most circumstances we can offer a policy in even the most unusual circumstances even where other insurance providers cannot provide a quote.

Homes near the sea


Flood insurance is normally included as part of your buildings cover, which protects you in the event of damage to the structure of your property. But this doesn’t include your belongings. If you want the contents of your home to be protected against flood damage too, you’ll need contents insurance too.

Typically, your home insurance policy can cover issues resulting from hail, wind, rain, snow or ice.

Yes you are able to get flood insurance on a park home, but you will need to tell your insurer what type of park home you live in when creating your policy. 

Home insurance policies may provide coverage for basement flooding caused by drainage issues, subject to policy terms and conditions. However, to ensure your valuables are protected, it is best to take out a combined home and contents insurance policy.

Over 81% of customers who got an online quote could have saved money if they’d called us instead.

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