Sharing the burden of adapting to increasing flood risk: who pays for flood insurance and flood risk management investment in the United Kingdom

Many countries are exploring alternative strategies to counter rising flood risk as there is concern at the extra burden that such increasing risk will bring. The aim of this paper is to explore the nature of these burdens, and outline responses in the United Kingdom where both the government and the private flood insurers have new policies and proposals. Our method is to collate the extensive existing authoritative data and information - from government and the insurance industry - about the risks that are being experienced and the related policy responses. The results show that these seek to concentrate somewhat more the financial burden of, respectively, flood risk management costs and insurance provisions on to those who are at risk and away from the general taxpayer and those who pay insurance premiums. Other countries may well learn from these developments. The pre-existing cross-subsidies are being reduced and, in this way, it is hoped that extra resources for risk management investment will be forthcoming (from local contributions from at-risk communities) and flood insurance will remain affordable, available and commercially viable. A key conclusion here is that it appears that any increase in flood frequency and severity in the UK appears likely to affect the financially deprived communities to a greater extent than others, not least because they are less likely to insure. Government arrangements to prioritise their contribution to risk reducing towards these financially deprived communities is a sign that this regressive effect of floods is real and serious, and those arrangements are to be welcomed

Flood risk management and ‘fairness’: aspirations and reality

Flood risk management in United Kingdom has been going through a process of rapid change in the last decade or so, no doubt spurred on by a series of very serious floods since the year 2000. These changes affect flood defence and non-structural flood risk management measures alike, and involve a degree of devolution from central government to local communities and regional organisations, as central government seeks to shed responsibilities for policy implementation. This paper discusses three case studies concerning flood defence, property level protection, approaches to social justice. The results show a different pattern in each area, with flood defence moving somewhat towards a Rawlsian approach, but flood insurance and property level protection showing signs of both inefficiency and poor penetration, respectively, particularly with regard to low income residents, especially those in social housing

Promoting adaptive flood risk management: the role and potential of flood recovery mechanisms

There is a high potential for recovery mechanisms to be used to incentivise the uptake of flood mitigation and loss reduction measures, undertake adaptation and promote community resilience. Indeed, creating a resilient response to flooding requires flood risk management approaches to be aligned and it needs to be ensured that recovery mechanisms to not provide disincentives for individuals and business to take proactive action to reduce risk. However, the degree to which it is desirable and effective for insurers and governments providing compensation to promote resilience and risk reduction depends upon how the cover or compensation is organised and the premiums which are charged. A review of international flood recovery mechanisms has been undertaken to identify firstly the types of schemes that exist and their characteristics. Analysis of existing instruments highlights that there are various potential approaches to encourage or require the uptake of flood mitigation and also discourage the construction of new development in high flood risk. However despite the presence of these instruments, those organising recovery mechanisms could be doing much more to incentivise increased resilience

The risk of ill-informed reform: the future for English flood risk management

Flood risk in the UK is recognised by many as a major 21st century challenge. However Flood Risk Management (FRM) has become widely contested, with the Environment, Food and Rural Affairs (Efra) Committee recently calling for major governance reform. Engaging this debate, this commentary evaluates the extent to which such reform is necessary or wise when it appears that it may ironically, albeit inadvertently, exacerbate key criticisms of the current system

The evolution of UK flood insurance: incremental change over six decades

In this paper, the authors' theorizing shifts away from the catalytic role of the flood itself – or other crises – towards a deeper understanding of the relationship between change and stability, taking the example of UK flood insurance and the agreements – and the implicit policy approaches – between the actors involved: private insurers and the government. The study relies upon in-depth analysis of policy agreements governing flood insurance since the 1960s, and semi-structured interviews with six current or former flood insurance professionals. The important agents of change have been, firstly, threats to existing household insurers from new entrants unencumbered by agreements to insure all comers. Secondly, technological changes have made exposure more explicit and pricing risk both easier and less expensive. The slow pace of change and the relatively stable role of the different actors and coalitions is now clearer. Many windows of opportunity created by major flooding or financial crises have not significantly affected the pace or direction of policy change. The overriding importance of the London location for – and the profitability of – the insurance industry, both to government and to the insurers, explains the extraordinary policy stability described here. This history suggests that the UK may not be a good model for imitation elsewhere

Understanding policy change in flood risk management

Policy change in the field of flood risk management is important as it alters the direction of attention, effort and investment. We elaborate three models of policy change developed in the political science literature. These models embrace concepts such as ‘policy streams’, ‘advocacy coalitions’, and ‘punctuated equilibrium’ and each has been important in illuminating the process of policy change in different discipline areas in the last 20 or 30 years. Each has been refined over this time but remains fundamentally unchanged. From this elaboration we distil an integrated model that we believe is particularly applicable to flood risk management, and have some general applicability outside the UK where it originated. This model emphasises both catalytic and incremental policy change, the former related to national scale flood events and the latter to intervening relatively flood-free periods

Climbing the water ladder: multiple-use water services for poverty reduction

Multiple use / Models / Water productivity / Research projects / Water supply / Domestic water / Irrigation water / Water governance / Poverty / Gender / Rural areas / Wells / Water harvesting / Runoff / Water storage / Water purification / Appropriate technology / Costs / Local government / Non governmental organizations / Case studies / Ehiopia / Nepal / Zimbabwe / Bolivia / India / Colombia / Thailand / South Africa

Temperature perturbation model of the opto-galvanic effect in CO2-laser discharges

A detailed discharge model of the opto-galvanic effect in molecular laser gas mixtures is developed based on the temperature perturbation or discharge cooling mechanism of Smith and Brooks (1979). Excellent agreement between the model and experimental results in CO2 laser gas mixtures is obtained. The model should be applicable to other molecular systems where the OGE is being used for laser stabilisation and as a spectroscopic tool

Integrated land and water management for food and environmental security

Water resource management / Food security / Environmental effects / Soil degradation / Water pollution / Watersheds / Urbanization / Public policy / Water quality / Ecosystems / Land resources / Water scarcity / Developing countries / Poverty / Households / Food supply / Economic aspects / Social aspects / Groundwater depletion / Salinity / Wetlands / Investment / Land use / Water use / Training needs assessment / Research priorities