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Factsheet: FloodScore

What is the FloodScore?

The FloodScore is provided by flood modelling specialists Ambiental. It provides an indication of the perceived insurance risk classification, and subsequently the likelihood of a property being ceded into the Flood Re scheme from river, coastal and surface water flood only. It does not consider other factors required or assessed against for ceding into the Flood Re scheme, nor does it consider any other requirements for obtaining household insurance. This ‘flood score’ takes into account the likelihood of an individual property being flooded due to rainfall, overflowing rivers or tidal surges, as well as the damageability for different property classes.

Will the FloodScore affect insurance?

Ambiental’s FloodScore™ is used by a large number of top insurance companies in order to assess flood risk, however individual insurers may also have recourse to further information not used in this assessment such as claims history and may take a different approach to risk.

This score should be used for informational purposes and not used as a definitive answer on whether insurance will be available. With this in mind, we recommend you obtain a number of comparative insurance quotations. 

Further information is available in our Methodology section.