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Flood risk rises as wetter winters test UK insurance resilience

By Harriet Scott 2026-03-11T12:17:00

Record rainfall and saturated soils are increasing flood risk across the UK, forcing insurers, brokers and businesses to rethink resilience, underwriting and the long-term sustainability of flood cover.

The Met Office has reported that rainfall was a ”defining feature” of January 2026, with the national meteorological service revealing that the UK recorded 117% of its long‑term average rainfall in that month – with Cornwall experiencing its wettest January on record, for example.

But how are insurers operating in the UK supporting businesses with this rising tide risk?