Of the 1.4 million new homes that were built in England from 2013/14, one in 13 are in national flood zone three, according to analysis by Aviva.

Fresh data provided by the insurance giant revealed that 8%, equivalent to 109,017 new homes, face the highest risk from flooding in England. In flood zone three, there is a one in 100 or greater annual probability of river flooding or a one in 200 or greater annual probability of flooding from the sea in any year. It was noted that 2022/23 figures, which are not yet available, do not form part of the at-risk homes approximation.

“It’s concerning that almost 110,000 new homes have been built in the last decade in a flood zone, leaving thousands of homeowners and tenants at risk,” Aviva’s Jason Storah, chief executive for UK & Ireland general insurance, commented.

“Crucially, these homes are not covered by the Flood Re insurance scheme and many may have been constructed without flood resilience. Not only are these newly built homes at high risk – they also face the prospect of repeated flooding and may not be protected by flood defences to prevent or limit flood damage.”

It appears climate concerns also extend beyond flood. Almost two thirds (61%) of new home residents are concerned about the impact of heat on their home, compared with 46% of residents of homes built pre-2018. Storms are also a concern, cited by 62% of new build residents (51% of residents of homes built before 2018).

Storah continued: “Insurance can play its part by restoring homes and offering financial reassurance, but it cannot replace cherished family possessions or prevent the emotional impact that floods bring. It is paramount that any future plans for new homes include strengthened rules to prevent the development of buildings in current and potential flood zones. But in some low-lying parts of the country, this is more difficult. In these cases, flood resilience should be made mandatory in planning rules and built in from the outset.”

Many new build homes have experienced some damage since they were built. According to the research, one in eight (13%) new build residents say their home has been affected by flooding inside and 16% of new homes have suffered a flood event in the garden. However, the research also reveals new homes are not just at risk from flooding but wider construction issues.

Over a quarter (26%) have suffered a water leak; 18% have been damaged by storms and one in seven (15%) have been affected by subsidence, severe movement or tree damage.

Echoing this real-life experience, new build residents are also worried about the construction of their home. Over a third (35%) are concerned about the quality of workmanship and 34% worry about the quality of materials. A fifth (21%) are concerned about the lack of resilience in their home. Only a quarter (26%) have no concerns about the quality of the build.

What, if any, concerns do you have over the quality of your house build?

Whilst almost two thirds (60%) of new build home residents are confident their home builder or developer has done enough to protect their home, only half (51%) are aware if measures have been put in place to reduce or prevent flooding.

However, although some new homes may face a greater risk from flooding, the research reveals those living in new homes are more aware of the measures needed to make their property more resilient to climate impacts. Over two in five (42%) agree they know what steps to take to improve resilience and only a quarter (26%) have not installed resilient measures, compared with 60% of residents of homes built pre-2018.

Storah added: “It’s worrying that many newly-built homes have already suffered a flood within five years of construction. This suggests the homes may have been built in unsuitable locations to standards which are unable to withstand flooding. But the research reveals wider concerns about construction which could leave these homeowners and tenants at risk from other climate events, including hot, dry weather.

“If we are to prevent more scenes of devastation caused by extreme weather, we need to work collectively to change where and how we build. By building houses that are climate-ready and able to withstand the multiple impacts of climate change we can provide safe and sustainable homes for our future generations.”

House building, UK: permanent dwellings started and completed by country – Office for National Statistics (ons.gov.uk)