The British Insurance Brokers’ Association (BIBA) has backed Government planning reforms that provide better flood protections for new homes.

BIBA Executive Director Graeme Trudgill says the group’s manifesto this year called on Government to tighten the rules and regulations around building in flood risk areas and it supports new guidance recently released.

“We agree with the Secretary of State’s point that councils will need to demonstrate that the development will be safe from flooding for its lifetime, will not increase flood risk elsewhere and where possible will reduce flood risk overall,” Mr Trudgill says in a monthly video update.

The guidance outlines steps to be followed to help councils make sure developments meet strict criteria in locations at risk of flooding before they are approved.

“We have all seen how flooding is becoming all too frequent. This new guidance will strengthen councils’ ability to require better flood resilience in new developments,” Levelling Up Secretary Greg Clark said.

The steps include that, where appropriate, in areas at risk of flooding, developers undertake a site-specific flood risk assessment to accompany applications for planning permission.

The use of flood resistance and resilience measures to address any residual risks remaining after the use of the avoidance and control measures is also promoted.

Flood risk is viewed as a combination of the probability and the potential consequences of flooding.

“Areas at risk of flooding are those at risk of flooding from any source, now or in the future,” the guidance says.

“Sources include rivers and the sea, direct rainfall on the ground surface, rising groundwater, overwhelmed sewers and drainage systems, reservoirs, canals and lakes and other artificial sources. Flood risk also accounts for the interactions between these different sources.”

Environment Agency Executive Director of Flood and Coastal Risk Management Caroline Douglass says it’s vital to plan for a changing climate.

“The new guidance provides vital advice to planners and developers to encourage the use of more sustainable drainage systems to reduce surface water flood risk as well as how to plan and adapt to coastal change,” she said.