If your home has ever been affected by flooding or subsidence, there’s a good chance you’re paying significantly more for your home insurance than your neighbours — and the gap is only getting wider.

New data from Go.Compare Home Insurance shows that claims for flooding and subsidence have risen by 58% across the UK between 2016 and 2024. In comparison, general home insurance claims went up by just 20% over the same period — meaning climate and ground-related issues are growing nearly three times faster than other household claims.

As a result, homeowners with a history of these problems are being hit with higher insurance costs:

  • Homes with past flooding pay £454 per year on average, compared to £227 for unaffected homes — an extra £227.

  • Properties affected by subsidence are even more costly, with average premiums at £545 a year, or £318 more than unaffected homes.

That’s not all — the number of insurance policies bought for homes with a history of flood or subsidence-related issues has increased by a massive 80% in the past nine years.

So why the big price difference? It comes down to risk. Insurers see homes with a history of flooding or subsidence as more likely to experience problems again. With extreme weather and unstable ground becoming more common in the UK, insurers are adjusting their premiums to reflect the higher likelihood of repeat claims.

If you’re buying a home, it’s worth checking whether the property has ever experienced flooding or subsidence — not only for peace of mind, but also to understand what you could be paying in the long run.

Nathan Blackler, home insurance expert at Go.Compare, said: “Flooding and subsidence are no longer just an occasional headache for a few unlucky homeowners, but are fast becoming widespread concerns for residents. Erratic and severe weather changes are playing a part in the growing risk of these events. 

“Shifts between prolonged warm and dry spells and storms can lead to flash floods and changing ground conditions. These extremes are becoming more frequent, like we’ve seen with the recent record hot weather.

“With an uptick in claims being made for affected properties, rising premiums are also becoming a more pressing issue for homeowners. If you’ve seen your premiums rise because of flooding or subsidence, there are steps you can take that might help.

“Shop around for different insurance providers – some specialise in higher-risk properties, so comparing could help you find a policy that balances good cover with a more affordable price.

“As these environmental issues become more common, it’s key for homeowners to stay ahead of the game. Knowing how these risks impact your premiums and taking action to protect your property can make a real difference, both in managing costs and making sure you’re properly covered.”