FAQs

We have compiled a list of frequently asked questions to provide you with more information about flooding.

Floodline

What is Floodline?

Floodline in Scotland is operated by the Scottish Environment Protection Agency (SEPA). It provides live flooding information and advice on how to prepare for or cope with the impacts of flooding 24 hours a day, 7 days a week.

Our telephone service and website can be accessed by everyone, but by registering with us you can receive free flood messages for your area of interest direct to your phone.

Why should I sign up to Floodline?

Floodline provides live information and advice so you can take action to protect and prepare yourself and your home in advance of flooding, reducing its damage and disruption on your life.

Even if your property is not at risk of flooding, local roads and transport networks could be affected, restricting your ability to get to work, schools or essential facilities.

You can sign up for free and it only takes a few minutes.

What is the difference between a Flood Alert and a Flood Warning?

A Flood Alert is an early indication of potential flooding from rivers, the sea and surface water. It is issued for larger geographical areas – usually the boundaries of local authorities.

If a Flood Alert is issued for your area, you should remain alert and vigilant and make early preparations for potential flooding.

Flood Warnings advise that flooding is imminent. Immediate action is required – take measures to protect yourself and your property.

Our flood monitoring scheme issues targeted Flood Warnings for properties located in affected areas if the residents are signed up. The inclusion of any property within a Flood Warning Area does not specifically imply that the individual property is at risk of flooding, but helps to identify the area at risk.

When you register, Floodline will check your address to see if you can receive Flood Warnings for your local area. Even if your property is not within a Flood Warning Area, you will automatically be registered for Flood Alerts.

Can I sign up to receive warnings for more than one property address?

Yes – as long as you know the postcode for any additional property, you can add it to your account and receive messages relevant to each and every property.

Can I register for a property which isn’t my own – for example my workplace or school?

Yes – if you have the postcode for the area, we can check to see what service is available in that area.

What is a priority number?

You can add several contact numbers to your account when you sign up to the Floodline service, prioritising them in order of importance.

We recommend nominating your most likely point of contact – which may be your mobile, work or home telephone – as your ‘Priority 1’ number. This is the number that the service will contact in the first instance in the event of flooding messages being issued.

If you do not answer the phone or the messages cannot be delivered, the system will try your choice of additional numbers in order of priority, up to a maximum of three times. An answering phone service will be treated as a delivered message.

Why can I not receive flood messages by email?

Due to the nature of flood alerts and flood warnings, messages are only useful if they can be received and read quickly. With emails we cannot guarantee that they have been received and read so delivering our messages through phone and text message provides more certainty that they will be received in a timely manner.

What should I do when I receive a message from Floodline?

Call Floodline on 0345 988 1188. If you call from your registered telephone number, you should be taken directly to the detailed information for your area.

If calling from an unregistered phone, simply enter your quick dial code or codes to access the specific information for your area.

Alternatively, you can view our live flood updates online or visit our mobile website

How do I get my quick dial code?

You can find out your quick dial code or codes online or by calling Floodline on 0345 988 1188.

Will I be charged calling Floodline?

The cost of calling Floodline varies depending on your service provider, your call package and whether a landline or mobile is used. All public bodies are encouraged to use 03 numbers, which are charged at the same rate as calls to 01 and 02 geographical numbers and must be included within free call bundles in phone packages.

General flooding questions

How do you predict flooding?

SEPA works in partnership with the Met Office through the Scottish Flood Forecasting Service to generate data 24 hours a day. This helps us to predict the likelihood and timing of river, coastal and surface water flooding.

What causes flooding?

Flooding occurs most commonly from heavy rainfall. When the ground is saturated, water runs off the land and into water courses which increase a river's flow and level. When a river can’t cope with more water, flooding happens.

Flooding also happens along our coastlines when there are storm surges associated with a high tide coinciding with higher than normal river levels or from surface water.

Can you predict flooding from drains and sewers?

We can’t predict flooding from drains and sewers. However, we have produced a national surface water flood map to help you identify if your area is at risk from the combination of flooding from rainfall and overwhelmed drainage systems.

How do I know if my property is at risk of flooding?

Our flood maps don’t show individual properties, but they can tell you if your area is at risk of flooding.

If you live or travel through an area at risk of flooding, you can be impacted by flooding such as closed roads, school closures or disruption to community services.

Who is responsible for flood defences?

Your local council is responsible for the construction and maintenance of any flood defences in your area. If you would like to know what flood defences there are in your local area, contact your local authority directly.

More information on the responsibilities of each organisations is available of the responsibilities for flooding page.

Where can I find flood protection products?

The Scottish Flood Forum provides information on flood protection products.

Are sandbags effective for flood protection?

The Scottish Flood Forum (SFF) advises that traditional sandbags have many limitations:

  • They may not hold back water unless a waterproof sheet is placed under them.
  • They can be expensive, heavy, difficult to transport and labour intensive to assemble into flood defence barriers.
  • They are prone to leakage, rot very quickly after use and contain viral and bacterial infections often present in flood water.
  • They require proper environmental disposal.

Alternative products, such as barriers, often provide more effective long term protection, are more easily deployed and have greater reliability when fitted correctly. You can find information on flood protection products here

Please note that some insurers may require flood defence products to be industry-approved and certified.

Where can I go to get further advice and support?

Visit Floodline or phone 0345 988 1188 to get advice on how to be prepare for or deal with flooding.

The Scottish Flood Forum also offers independent advice to communities who have been affected from flooding.

As an undergraduate or MSc student, can I request SEPA data for project work?

Unfortunately SEPA is currently unable to support the development of bespoke data licences for academic use during this financial year (2019/20). This is a short term position pending the licensing of data directly to Edina which will therefore increase the availability of SEPA data to our academic audience in the future.

Flood maps

What do the flood maps show?

Our flood maps show you areas that may be affected by flooding from rivers, the sea and surface water now and in the future due to climate change. They are designed to help you understand if you could be affected by flooding and the potential impacts. The information shown in the flood maps is indicative. The flood maps can be viewed online or downloaded from our website.

We currently have two flood map viewers available:

For members of the public, planning applicants & emergency responders: To find information on flood risk to an area and view the flood hazard/extent and future flood maps, visit check your flood risk. These maps will be helpful to anyone who is interested in understanding the flood risk for an area. You can search by using a postcode or by using the map viewer controls.

For Flood Risk Management professionals: For more technical information to inform Flood Risk Management Planning, please view our flood risk management maps.

The flood maps are now available as Geographic Information Systems (GIS) datasets under Open Government Licence (OGL) and are available for anyone to use and download from SEPA’s Data Publication webpage.

 

Do the flood maps show where flooding is happening right now?

No, the flood maps only show the risk of flooding in any given year. To find out if flooding is happening just now, check our live flood updates.

What is flood risk?

Flood risk means the chance that an area may be affected by flooding in any given year. The higher the risk, the greater the chance of flooding in any given year.

The flood maps indicate that my property is located in an area at risk of flooding, what should I do?

There are some simple steps you can take to help reduce the impacts of flooding on you and your family. Visit the Floodline website for short animations and useful checklists to help you prepare for flooding.

Signing up to Floodline will also ensure you receive up to date information about where and when flooding may happen. View the Floodline Privacy Notice.

Remember that the actual risk of flooding to your property has not changed just because it is included on the map. Not every property in the highlighted areas is at risk of flooding but being prepared means reducing the impact flooding can have on your life.

 

 

I live in a flood risk area, yet my property has never flooded?

If your property is in an area that has a likelihood of flooding, you may be at risk from a range of impacts, from property flooding or vehicle flooding to flooded access routes or disruption to community services. 

Being in a flood risk area does NOT mean that your property will be impacted if there is flooding.  The impact across the area can vary depending on land surfaces, the built environment and community or property flood defences. 

If you identify that your property is in an area of flood risk it means you should be prepared as you could be impacted in some way, now or in the future.

What do the different likelihoods of flooding mean?

  • High likelihood means areas with at least 10% chance of flooding each year;
  • Medium likelihood means areas with at least 0.5% chance of flooding each year;
  • Low likelihood means areas with at least 0.1% chance of flooding each year;

Flooding has the same chance of happening in any year, with smaller floods happening more often than bigger floods.

More information is shown in the legend of the flood maps, below the layer list in the Flood Map Data bar. 

Does a high flood risk area mean the flooding will be worse than in a low flood risk area?

Not necessarily. The information tells you the chance of flooding in any given year. Floods that happen less often can be more damaging over a wider area than those that happen more often. Having a low flood risk does not mean that an area will not flood or that the flooding may not sometimes be severe.

If no flooding is shown for my site, is there no risk?

No. If the flood maps do not show any risk of flooding for your site, this does not confirm there is no risk.

The nature of the maps means that they do not always represent flooding in detail locally. They are also based on our best understanding of long-term flood risk at the time of being made. Our understanding improves over time as more data becomes available and more floods happen. You can find out how we are continually working to develop and improve our knowledge of flooding in this section of our website.

 

Why might flood risk be higher than is shown from the information on the map viewer?

There is inherent uncertainty in all forms of flood map as they seek to replicate highly complex real-world events. As a result, there are a number of reasons why the flood maps may underestimate flood risk in a location. The following are some examples, but this list is not exhaustive:

  • The source of risk is not included in the flood map model - includes some small watercourses, sewer systems in some areas, the effects of wave action in most locations,
  • Small features on the ground are not picked up by the strategic nature of the maps, but influence flood routes and flow. This could include small embankments, structures, walls, or features that act as flow routes like paths.
  • There is a nearby culvert or bridge that restricts the flow of water in the channel or floodplain, causing water to back up behind it. This could be because it is smaller than the natural flow area or it is prone to blockage.
  • In rivers, flood flows could be higher than we expected. Flow estimates of future floods are generally based on data of what has happened in the past. If no large floods happened in the past, we might not expect them to happen in future, but we may be wrong.
  • At the coast, sea levels could be higher than we expect due to local conditions influencing storm surge and/or wave impacts, or the national model of coastal flood levels might not represent local features like estuaries well.
  • In estuaries, the combined effect of the sea and high river levels is not investigated for the flood maps.

Can SEPA Flood Maps be used to assess flood risk for individual sites or properties?

The flood maps have, until 2021, been recommended for use at the strategic scale only. We think it is increasingly important to be more transparent about the information we hold and make it more widely available to even better support people and communities to understand their risk of flooding. As part of this drive and, for the first time, we are enabling the flood maps to be viewed at the site scale to help everyone avoid flood risk at the earliest stage of the planning process and identify where further investigation is required.

SEPA has assessed flood risk to areas within Scotland, not the flood risk to individual properties. When visiting our flood maps, visibility of flood risk areas at lower zoom levels makes it easier for flood map users to identify whether their site/property sits within an area that is at risk of flooding. In changing the map zoom scale, it is important to remember that the risk of flooding has not changed. You can simply zoom in further than before.

SEPA has improved the detail of the flood maps in many areas and will continue to do so in a planned way.

I am making a planning application and my site is shown to be in or near a flood risk area. I don’t think it should be - what should I do?

Provide as much information as you can with your application to show that your development will not flood. Some advice is given in this guidance (please view Guidance document on using SEPA Flood Maps for land use planning) on using the maps for planning. If it cannot be shown clearly that there would be no flooding, you may need to obtain a more detailed flood risk assessment for the site. 

Will there be more flooding in future?

The latest UK climate change projections predict Scotland will experience milder, wetter winters, warmer, drier summers, more heavy rainfall events and rising sea levels. This means that some areas are likely to flood more often in the future and that in some places flooding could become more severe. The amount of change that occurs will depend on how successful we are in reducing greenhouse gas emissions globally. Find out more on on Climate Change and Flood Risk

How do you make the SEPA Flood Maps and how detailed is the modelling?

The flood maps are made from a combination of national and local scale models, and so the level of detail and accuracy varies.

More information on how the SEPA flood maps were developed can be found in this document.

You can also find lots of information on how we are continually working to develop and improve our knowledge of flooding in this section of our website.

How often are the maps updated?

The Flood Hazard maps were last updated in November 2023.

Flood mapping is a dynamic process and, as we develop and improve our data, methods and techniques, the maps will be reviewed and updated.

We will continue to work with responsible authorities and partner organisations to improve our knowledge, understanding and the representation of flooding across Scotland.

 

 

Who do I contact if I have local knowledge that might be useful in informing SEPA’s Flood Mapping and Flood Risk Management Work?

You can provide this information to us using our contact form. Only provide your contact details if you wish to be contacted by us.

How can I access the flood map data?

SEPA’s flood maps that show the risk of flooding from river, the sea, and surface water are now available under Open Government Licence (OGL) and are available for anyone to use and download from our website.

 

 

 

Are the datasets available as Web Map Service (WMS) or Web Feature Service (WFS) for use in GIS software?

The datasets are currently only available for download and can be used within standard Geographic Information Systems (GIS) software packages. As we continue to develop our flooding products and services then we may be able to offer this functionality in the future.

Can the maps be used for commercial purposes?

License restrictions prevent the flood maps being copied and printed from the SEPA web site viewer, but they can be viewed to support commercial decisions.

SEPA’s flood maps that show the risk of flooding from river, the sea, and surface water are available under Open Government Licence. This means that information about the extent, depth and velocity of flooding that can be downloaded from the SEPA Data Publication Webpage can be used for commercial purposes.

Will my insurance premiums go up if my property is in an area you have identified at flood risk?

SEPA has a statutory responsibility to produce flood maps to inform the people of Scotland about flood risk. As our flood maps are available under Open Government Licence, there are no restrictions on their commercial use and it is possible that insurance companies may use our flood maps to help determine insurance premiums, however they have not been explicitly designed for this purpose.

Insurance companies set their own rules for assessing flood risk and setting premiums. These range from indicators such as distance from a watercourse, history of previous flooding claims in an area, and some also have their own flood maps. They may well review their rules, which can affect insurance premiums year on year.

In general, it can be worth shopping around. Perhaps using an insurance comparison tool. Different insurance providers have different rules for determining what constitutes flood risk to a property. If you are unhappy with any part of the insurance process, you can raise it with the financial ombudsman service.

You can also refer to this leaflet.

We would recommend to people who have difficulty in obtaining insurance cover to directly contact insurance companies to discuss the issues with them and consider using an insurance broker. The British Insurance Brokers Association (www.biba.org.uk) can help identify a range of brokers who can quote for flood insurance, whether as a stand-alone policy or as part of a bundled, household policy.

Who do I call for assistance to find information about flood risk?

You can call Floodline on 0345 988 1188 or use our contact form.

What is Open Government Licence (OGL)?

OGL stands for Open Government Licence. This means that the data can be re-used free of charge without permission from SEPA.

SEPA’s OGL datasets are available for anyone to use and download from our website.

Can OGL data be used commercially?

Yes, details of permitted use are in the link provided Open Government Licence.

What datasets are currently available under OGL?

Flood maps

The flood maps provide national datasets to show those areas of Scotland at a risk of flooding from the sea, rivers, and surface water. Information is provided on the extent, depth, and velocity (where available) of flooding. Three different likelihoods of flooding are available for all flood sources, an additional likelihood is available for river and coastal flood maps to show the potential impacts of climate change.

Local Plan Districts (LPDs)

Geographical areas in Scotland that are designated for flood management under the Flood Risk Management Act (Scotland) 2009. There are 14 LPDs across the country which SEPA and partners use to co-ordinate flood risk management in Scotland including the development of National and Local Flood Risk Management Plans.

Potentially Vulnerable Areas (PVAs)

Geographical areas in Scotland designated for flood management under the Flood Risk Management Act (Scotland) 2009. They show the parts of catchments and coastal areas where SEPA has identified that a nationally significant flood risk currently exists now or is likely to occur in the future. PVAs are located within the broader Flood Risk Management Local Plan Districts (LPDs). PVAs help SEPA and responsible authorities in Scotland prioritise where work could provide the most benefit.

Target Areas (TAs)

Geographical areas that are used to identify locations to focus targeted flood risk management objectives and actions as identified in Scotland’s National Flood Risk Management Plans 2021. Target Areas are located within Potential Vulnerable Areas (PVAs) which are a broader unit of management, these locations are not however formally designated areas under the Flood Risk Management (Scotland) Act.

Why are some datasets not available under OGL?

Our maps are developed using data supplied to SEPA by many providers. Some datasets are subject to restrictions because they include data from third parties that are only available under licence. Sharing and use of these datasets must comply with the licensors’ terms and conditions.

Will more data be available under OGL in future?

Yes - we are working with our data providers to enable us to make more of our datasets accessible to support efficient decisions by the public and our partner organisations.

How do I access non-OGL SEPA flooding datasets?

Non-OGL SEPA flooding datasets are only available to third parties with statutory flood risk management or civil contingency responsibilities, due to our obligations to the licensors of the datasets underlying our data. This is principally public bodies, statutory undertakers or those working on their behalf.

If your organisation falls into this category, please use the Contact Form to discuss what licensing options may be available.

What is an Attribution Statement?

An Attribution Statement is a statement that gives credit to, or attributes, the creator of the work from whom you have borrowed. If you have altered the work in any way, indicate that in your attribution statement.

The SEPA OGL datasets are derived from several different datasets belonging to other parties. It is important that these other parties are given proper credit for the use of their data.

When should I use an Attribution Statement?

Where you do any of these things:

  • copy, publish, distribute, or transmit the OGL datasets
  • adapt the OGL datasets
  • exploit the OGL datasets commercially or non-commercially. For example, by combining it with other data, or by including it in your own product or application

.…you must:

  • acknowledge the source of the Information in your product or application by including or linking to the attribution statement we provide, and
  • where possible, you should also provide a link to the Open Government Licence.

You may include a URL or hyperlink to a resource that contains the required attribution statements: if you use a document generated by SEPA you should ensure you link to a copy that you host, as the SEPA website is subject to change.

These are important conditions of this licence and if you fail to comply with them the rights granted to you under this licence will end automatically.

 

How do I use an attribution statement?

An attribution statement should be clearly visible where data from SEPA has been included in your work/product. The correct attribution statement(s) are provided with the documentation accompanying the dataset you have included. Where the attribution statement has been provided in a separate document, these should be linked to as locally hosted copy as the SEPA website is subject to change.

Scottish Flood Forecast

What is the Scottish Flood Forecast?

The Scottish Flood Forecast is a new 3-day flood forecast which is produced by the Scottish Flood Forecasting Service (SFFS) daily. The SFFS is a partnership between SEPA and the Met Office.

The Scottish Flood Forecast is the public version of daily Flood Guidance Statement (FGS) we issue to Category 1 and 2 agencies.

It is available on SEPA’s website at www.sepa.org.uk/scottishfloodforecast.

What will the Scottish Flood Forecast show?

The webpage shows a 3-day forecast at a national level, using maps and the colours yellow, amber, and red to show whether flooding is likely to happen over the next 3 days and describe what the impacts may be. It will also point you to information on what to do next.

Why have you created a Scottish Flood Forecast?

The Scottish Flood Forecast has been created after research was undertaken with the public, community flood groups, emergency responders, our partners and employees.

The user research identified a need for the public to receive flood information earlier in a simple and clear way and have the ability to check if no significant flooding is expected

Who can use it?

It can be used by anyone interested in finding out at a national level whether flooding is likely to happen across Scotland over the next 3 days and what to do next. The public can check it any time.

The Scottish Flood Forecast is based on the best available information, but there will still be a chance of minor and localised flooding when the maps have no areas coloured red, amber, and yellow.

How do I use it?

The Scottish Flood Forecast is simple to use. It is a static webpage available on SEPA’s website that you can access any time. You can access it at www.sepa.org.uk/scottishfloodforecast

The service uses three simple maps and the colours yellow, amber, and red to indicate whether flooding is likely across Scotland over the next three days. It describes what might happen because of flooding and advice on what to do next.

How can I access it?

You can access the webpage on SEPA’s website at www.sepa.org.uk/scottishfloodforecast. If you have any issues accessing the information on the webpage, please call Floodline on 0345 988 1188 and an advisor will be able to help.

The webpage has been designed and should work with screen readers to describe the statement for those with visual impairments.

How often will it be updated?

The web service will be updated daily after 10:30am. If a situation is developing or escalating and the risk significantly changes, then an updated version of the Scottish Flood Forecast will be published in the afternoon after 3:30pm in alignment with the Flood Guidance Statement issued to responders. In exceptional circumstances (such as if the risk is elevated to amber or red), the Scottish Flood Forecast will be updated at other times.

What do the colours red, amber and yellow mean?

The colours yellow, amber, and red depend on a combination of both the impact flooding may have and the likelihood of those impacts occurring.

  • Yellow is associated with a low overall flood risk. The colour will be used when flooding is likely to cause some low-level impacts including some disruption to travel to some areas. However, it can also be used when flooding can bring more severe impacts to majority of people but the certainty of these impacts occurring is much lower.
  • Amber is used to describe a medium overall flood risk. There is an increased likelihood of impacts from flooding, which could potentially disrupt your plans. This means there is the possibility of travel delays, road and rail closures, and the potential risk to life and property. You should think about changing your plans and taking action to protect yourself and your property.
  • Red is used to describe a high overall flood risk. Dangerous flooding is expected, and you should take action now to keep yourself and others safe from the impacts of flooding. It is very likely that there will be a risk to life, with substantial disruption to travel, and possibly widespread damage to property and infrastructure. You should avoid travelling, where possible, and follow the advice of emergency services and local authorities.

Can one colour have different meanings attached to it?

Yes, the colour yellow can have two different meanings.

Yellow can be used for a range of flooding situations. The colour will be used when flooding is likely to cause some low-level impacts including some disruption to travel to some areas. However, it can also be used when flooding can bring more severe impacts to majority of people but the certainty of these impacts occurring is much lower.

It is important to read the content in the impact descriptions and the summary at the top of the Scottish Flood Forecast to understand what each colour means.

If the maps don’t show the colours yellow, amber, or red and only shows the plain grey backgrounds, what does this mean?

It means that no significant flooding is expected over the next 3 days. However very localised and minor flooding could still happen if it rains or because of wave overtopping along the coast. Some very localised and minor flooding is always possible if it rains, for example, because of local drainage blockages, or some fields may be flooded when a local burn is in spate.

If no flooding is shown on the three maps, does that mean there is no flood risk?

Not always, sometimes there will be a very low risk of flooding which doesn’t fall under the colour categories. In this situation, the summary at the top of the Scottish Flood Forecast will provide more information.

Why can’t I do a postcode search to find the forecast for my local area?

This version is the high-level, national flood forecast. This is the first step in the journey to providing you with improved flood information. The next step will involve designing a more regional flood forecast which will provide you with more localised flood information. As part of the regional flood forecast, it is anticipated that you will be able to do a postcode search to find information relevant to your local area or the area you are interested in.

If I see yellow on day 3 of the Scottish Flood Forecast, does it mean that it will remain yellow?

Not necessarily, the forecast for that day could change over the course of the three days, so it’s important that you continue to check the forecast on a regular basis.

What is the difference between the Scottish Flood Forecast and SEPA’s regional Flood Alerts and local Flood Warnings?

The Scottish Flood Forecast complements the existing regional flood alerting and local flood warning services, it is the earliest information available to the public about where flooding is expected. It should indicate where regional flood alerts and/or local flood warnings will be out over the 3-day period.

Is the Scottish Flood Forecast different to the Flood Guidance Statement issued to emergency responders?

The Scottish Flood Forecasting Service (SFFS) already produces a daily, national flood guidance statement issued to Category 1 and 2 agencies, such as emergency responders, local authorities other organisations with flooding management duties and recognised community responders (e.g., Scottish Flood Forum, Royal National Lifeboat Institution (RNLI) etc). Each daily statement gives an assessment of the risk of flooding for the next five days and provides organisations with valuable time to put preparations in place to reduce the impact of flooding.

The Scottish Flood Forecast uses the same information but presents it in a simpler way, covering three days rather than five. We also haven’t included the colour green to show very low flood risk because feedback told us that green generally means to most people that everything is ok and using this colour will cause confusion.

Are there any plans to develop a more regional flood forecast?

Yes. This version is the national flood forecast, the high-level version. This is the first step in the journey to providing our customers with improved flood information. The next step will involve designing a more regional flood forecast which will provide the public with more localised flood information.

How can I provide feedback on the service?

Your feedback is very important to helping us improve the Scottish Flood Forecast. You can do this by clicking on the ‘feedback’ link at the top of the Scottish Flood Forecast webpage.

Have any changes been made to the Scottish Flood Forecast based on user feedback during the public beta period?

Yes, during the public beta release we asked the public for feedback on the test version of the Scottish Flood Forecast. As a result of this feedback, we have made improvements to the way we describe flood impacts so that this information is much clearer.

Insurance

Will my insurance premiums go up if my property is in an area you have identified a flood risk?

SEPA has a statutory responsibility to produce flood maps to inform the people of Scotland about flood risk. As our flood maps are available under Open Government Licence, there are no restrictions on their commercial use and it is possible that insurance companies may use our flood maps to help determine insurance premiums, however they have not been explicitly designed for this purpose.

Insurance companies set their own rules for assessing flood risk and setting premiums. These range from indicators such as distance from a watercourse, history of previous flooding claims in an area, and some also have their own flood maps. They may well review their rules, which can affect insurance premiums year on year.

In general, it can be worth shopping around. Perhaps using an insurance comparison tool. Different insurance providers have different rules for determining what constitutes flood risk to a property. If you are unhappy with any part of the insurance process, you can raise it with the financial ombudsman service.

We would recommend to people who have difficulty in obtaining insurance cover to directly contact insurance companies to discuss the issues with them and consider using an insurance broker. The British Insurance Brokers Association (www.biba.org.uk) can help identify a range of brokers who can quote for flood insurance, whether as a stand-alone policy or as part of a bundled, household policy.

My policy excess has increased significantly after being flooded – what can I do?

It is worth shopping around for quotes. If you can demonstrate that you have taken steps to minimise potential flood damage (for example, by installing flood protection products), then insurers may take this into consideration when calculating risk.

Flood Re is a joint government and insurance industry initiative created to help provide affordable insurance to those households at highest risk of flooding. You can find out more on the Flood Re website.

The Scottish Flood Forum can also provide advice on finding insurance.

My insurer has asked for a flood risk report – can you provide this?

We do not issue flood risk reports for properties.

If you wish to develop an area of land, you may have to submit a flood risk assessment – the planning section of our website provides more information on the planning process and flooding.

What is Flood Re?

Affordable home insurance for eligible properties which are at risk of flooding is now available through Flood Re. Flood Re is a joint government and insurance industry initiative which was launch in April 2016. You can find ourt more on the Flood Re website.

Flood protection schemes

Where are the 42 flood protection schemes described in the Flood Risk Management Strategies?

Across the strategies there are 42 prioritised flood protection schemes or engineering works. The schemes will contribute to reducing flood risk within a number of communities. The development and delivery of the proposed flood protection schemes are however dependent on receipt of funding and resources available. We have collated the list of prioritised flood protection schemes into one document for ease of viewing.