Welsh Government publishes flood insurance consultation report

The Flood and Coastal Erosion Committee published a consultation report and proposals titled "Flood Insurance: A Wales Perspective" on 19 December 2025¹. GOV.WALES describes the document as the "Consultation report and resultant proposals for 'Insurance and Flood Re: A Wales Perspective'"¹. It was first published and last updated on the same date¹.

The publication sits under the Welsh Government's flood insurance reports collection and its flooding and coastal erosion sub-topic¹. The document is available as a PDF of 346 KB¹. GOV.WALES states that an accessible version can be requested by email, with the page asking readers to specify the format they need and, where assistive technology is used, what that technology is¹.

The report concerns flood insurance and Flood Re, the reinsurance scheme that sits behind UK household flood cover. The published page does not set out the individual proposals, the consultation questions, the number of responses received or the period during which the original consultation ran; those details are contained in the PDF rather than the GOV.WALES landing page¹. No date has been reported for any government response to the report or for any change to the flood insurance arrangements it discusses¹.

Why it matters for households

Flood Re affects the cost and availability of household insurance for properties at high risk of flooding, and the report is framed as a Wales-specific view of that scheme¹. The publication is a consultation report and set of proposals rather than a change to the rules, so no alteration to premiums, policy terms or eligibility for Flood Re follows from it on 19 December 2025¹. Households in Wales who hold, or are seeking, buildings and contents cover in flood-prone areas are the group the subject matter concerns, but the GOV.WALES page does not state which properties or which policies would be affected by the proposals, or from what date¹. The document is published by the Flood and Coastal Erosion Committee rather than by ministers, and the page does not indicate whether the Welsh Government has accepted, rejected or is still considering any of the proposals¹.

What happens next

The report and proposals were published on 19 December 2025¹. No next steps, response date or implementation timetable have been reported on the GOV.WALES page¹. Readers who need the document in another format can request one by email, stating the format required and any assistive technology in use¹.