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Increase cooperation between public and private entities

Experience shows that insurers, government authorities and other key stakeholders need to work more closely to encourage risk reduction in both the public and private sectors (Amendola et al., 2013). Zurich is willing to help with planning and flood protection options for any new buildings and greenfield sites to increase resilience. Should losses occur, lessons from the event can and must be learned and opportunities identified to make new buildings more resilient and reduce potential losses. Attention also needs to be paid to locating property development away from flood risk whenever possible and preventing inappropriate new development in areas at risk of flooding. This can be helped by ensuring that flood risk is taken into account at all stages in the spatial planning process. Evidence indicates that development in floodplains is continuing, regardless of Environment Agency advice. Environment Agency figures suggest that during 2012/2013, 549 residential units were constructed under plans that ignored Environment Agency advice. Continued building on floodplains is an issue that has existed for many years and that the accumulation of such properties has steadily increased. There are efforts to ‘manage down’ the number of properties in this category, but more can be done to make Environment Agency advice binding on development applications.

PERC Reports