I'm in the North-West and we haven't been affected by flooding but down south in Somerset and other counties there's been massive flooding and the Thames has burst its banks in places. Its long been known that there's flood plains there and the Somerset Levels are partially reclaimed land and at high risk of flooding. But a few years ago the Environment Agency decided it was not going to dredge the rivers in that area in order to
encourage some flooding to promote biodiversity. This is said to be based on an EU Directive but I must stress that I DO NOT blame the EU for this, I blame the idiots who work in the UK's Environment Agency. Guess what, when we've had higher than normal rain this year there has been flooding as encouraged rather than prevented. Out of control flooding. If you're going to build on a flood plain try and prevent not encourage flooding.
The alternative is quite simple: Don't build on flood plains. Don't live on flood plains. Don't buy a home on flood plains.
Well I do absolutely. I couldn't count the amount of times I've heard sob stories from idiots who've got a house on a flood plain, got flooded and then cried to the media how unfair it is because they have no insurance as the insurance company wouldn't cover them as they're on a known flood plain. Hey genius who's fault is that? Get away from the flood plain you fool. If I got told that I wouldn't be able to get insurance as the company fully expects the house to be flooded I wouldn't move there in the first place, or would try to move away. Don't move onto a flood plain then curse your luck/the government/the world for your own dumb choice.
Incidentally when we bought our house we did a survey on the property which checked for things like that. It was mandatory in order to get a mortgage. First house we surveyed got a red flag because of the fact a power pylon went overhead - not something that bothered me but the surveyor said it was a risk as if the power pylon came down the power company would have every right to knock down what would our fencing and do whatever it takes to restore the power line. Also it might damage the value of the house on resale as people are worried due to scare stories that it may cause cancer (not that it does, just the scare stories that it might is enough to devalue it) - as a result we didn't buy that property. We did ask the owner to reduce the asking price to what our surveyor said it was worth but he refused so no deal. Had we exchanged and any of the risks happened it would have been our responsibility and nobody elses. A flood plain was a red line for me that no matter the value I'm not interested in that under any circumstances.
Heard one moron moaning on the BBC this year that they weren't expecting a flood as it hasn't flooded in that area for eight years and now his stuff is ruined and he has no insurance. Eight years. Not eighty, not one in a hundred, its not even a decade since the last flood. Why do you think the insurance company said no?