Flood Risk Home Insurance

Flood Risk Home Insurance is designed to protect homeowners whose properties are more likely to flood — whether from rivers, surface water, or coastal surges.
Standard home insurance often excludes flood-prone properties or charges high premiums, but with our specialist cover, you can still get comprehensive protection for your home and belongings.

We work with trusted UK insurers who understand the challenges of flood-affected homes and can provide realistic, flexible cover — even for those who’ve made flood claims in the past.

You may need a specialist flood policy if your property:

Has flooded before (from rivers, surface water, or groundwater)
Lies within a high or medium flood-risk zone on the Environment Agency flood map
Is located near a river, stream, or coastline
Has a basement or low-lying ground floor
Is built on clay or reclaimed land that retains water
Has been declined or restricted by mainstream insurers

Even if you’ve added flood defences or haven’t flooded for years, insurers still classify many areas as at risk — which is why specialist cover is essential.

Buildings Insurance

Covers the structure of your home, including:

Damage caused by flood, storm, fire, or escape of water
Rebuilding and drying out costs following a flood event
Specialist flood-resilient materials and restoration methods
Outbuildings, garages, driveways, and boundary walls

Contents Insurance

Protects your belongings — from furniture and electronics to clothing and valuables — if they’re damaged by floodwater.

We can also cover items kept in basements or garden buildings.

Accidental Damage & Escape of Water

Optional cover for internal leaks, burst pipes, and water damage not caused by flooding.

Alternative Accommodation

If your home becomes uninhabitable following a flood, we’ll help cover the cost of temporary accommodation while repairs are made.

Flood Re Scheme Access

Where eligible, your property may qualify for Flood Re, a government-backed initiative making flood insurance more affordable for homes in high-risk areas (built before 2009).

More than 5 million UK homes are at some risk of flooding — and that number continues to rise.

Flood risk comes in several forms, including:

River (fluvial) flooding – from rivers or streams overflowing
Surface water (pluvial) flooding – heavy rain overwhelming drains or sewers
Coastal flooding – tidal surges or sea-level rise
Groundwater flooding – rising water tables after prolonged rainfall

Even if you’ve never flooded before, your postcode may still be rated as “medium” or “high risk” — affecting standard insurance availability.

Specialist cover for homes in flood-prone or previously flooded areas
Access to leading UK flood insurers and the Flood Re scheme
Tailored policies — from minor surface water risk to severe flood zones
Fair pricing and clear terms (no hidden exclusions)
Expert guidance from advisers who understand flood claims and restoration
Support throughout the claims process for fast, stress-free resolution

We take the time to understand your home’s location, flood history, and any mitigation measures in place — ensuring you only pay for the cover you truly need.

Step 1

Quick Contact

Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.

Step 1

Step 2

Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

Step 2

Step 3

Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

Step 3

“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”

Beth L

“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”

Peter Foister

“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”

Ray Thorpe

“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”

James Lill

“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”

Richard Reynolds

“Very helpful and straightforward company to deal with . Thank you .”

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“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”

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“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”

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“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”

Samuel Coombes

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Specialist Insurance for Homes in Flood-Prone or Previously Flooded Areas

What Is Flood Risk Home Insurance?

Who Needs Flood Risk Home Insurance?

What Does Flood Risk Home Insurance Cover?

Buildings Insurance

Contents Insurance

Accidental Damage & Escape of Water

Alternative Accommodation

Flood Re Scheme Access

What Our Customers Say

Understanding Flood Risk in the UK

Why Choose Crowthorne for Flood Risk Home Insurance?

What to Do If Your Home Has Flooded Before

Fast, Tailored, and Complete Insurance

Quick Contact

Tailored Insurance Review

Finalise Your Cover

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UK Based Support

Tailored Quotes

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What Our Clients Say