Post 2009 Flood Trap

If your home was built after January 2009 and sits near a watercourse, you already know the weight of being excluded from the Flood Re scheme.

We are a group of UK homeowners facing the exact same insurance penalties, mortgage roadblocks, and financial anxiety. We want to be entirely transparent: if your property suffers from frequent, active flooding, this campaign cannot offer a solution.However, if your home is physically safe—yet heavily penalised by a computerised "1-in-10" "1-in-100" or "1-in-1000 year" desktop flood model that ignores real-world topography—you are caught in a data trap. You are not alone, and by standing together, we can force the regulators to listen. Please read onThe Core Issue
Are you confused and want to know why your insurance or mortgage was suddenly restricted or declined, well it may be because of this:* The 2009 Cut off: Properties built before January 2009 are protected by the government-backed Flood Re scheme, which subsidises high flood-risk premiums. Properties built post-2009 have no such safety net.* The Desktop Flaw: Major data providers utilise national 2D mapping models that frequently fail to account for real-world property elevations, 3D topography, natural certainties or robust local flood defences.* The Consequence: When a 2D model incorrectly flags a modern property, the homeowner faces immediate financial penalties—exorbitant premiums, insurance refusals, or blocked mortgages—with no automated right of appeal.This practice directly conflicts with the FCA’s Consumer Duty, which legally obliges financial firms to deliver fair outcomes and prevent foreseeable harm, as well as statutory rules requiring data providers to maintain accurate records. Relying on automated desktop mapping software that is wholly inadequate and inaccurate fails both of these regulatory standards.

What we aim to achieve

We formally escalated this issue to the Information Commissioner’s Office (ICO). On 1st June 2026, the regulator declined to take individual action, stating:"...because the information provided does not indicate that the issue has caused significant harm or distress, or that it is likely to do so. It also does not suggest that the matter affects a substantial number of people or raises wider data protection concerns that would justify further regulatory involvement."Anyone currently trapped in this situation will know how detached this bureaucratic stance is from the severe financial anxiety and real-world stress it causes. However, if we want the regulator to intervene, we must play by their rules.The ICO’s framework requires proof of scale. They will ignore a single voice, but they cannot ignore a crowd.Our objective is to gather the data that proves this is a systemic, nationwide issue affecting a substantial number of households. By joining our registry, you help build the collective evidence needed to force a formal regulatory investigation.If you are caught in this trap, please register your details using the form below.

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Case Study

About the Campaign

The person behind this website is Robert. Based in Scotland, the case study featured on this site is his own home.As the case study demonstrates, his own property has been systematically blighted and labelled as "high risk" by automated software—despite independent engineering proof that the real-world risk is virtually non-existent.If you wish to get in touch, you will automatically receive a direct contact email address after you have completed and submitted the campaign registration form. Please note that this initiative is entirely unfunded and run in Robert’s spare time around his day job; while every message is valued, it may take a day or two to receive a response.The Looming Crisis: Why This Matters This campaign is not just about correcting a handful of local data errors. We are highlighting a systemic threat to the broader UK housing and insurance markets.The Insurability Warning: In late 2025, the Association of British Insurers (ABI) warned of the growing reality that specific properties, and eventually entire communities, face becoming uninsurable.The 2039 Deadline: The statutory Flood Re subsidy scheme is legally mandated to wind down completely by 2039, at which point the market will transition entirely to risk-reflective pricing. Because 2039 is well within the lifespan of a typical mortgage issued today, this is an immediate structural problem for current buyers and homeowners.If the regulators fail to intervene, today’s victims (the post 2009 trap) are just the beginning. Left unchecked, this inadequate desktop software will continue to be used to assess hundreds of thousands of perfectly safe homes—erroneously blighting properties and plunging blameless households into automated financial crises.We cannot change the system as isolated individuals. However, by building a collective, undeniable registry of flawed data, we can force the regulators to listen and protect the wider housing market from this algorithmic flaw.

Important NoticeThis website is strictly an information-sharing and data-gathering campaign. We do not, and cannot, offer insurance, financial, or legal advice, as we are not qualified to do so. Anyone requiring specific advice regarding their property or financial situation should consult a regulated professional.

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Important NoticeThis website is strictly an information-sharing and data-gathering campaign. We do not, and cannot, offer insurance, financial, or legal advice, as we are not qualified to do so. Anyone requiring specific advice regarding their property or financial situation should consult a regulated professional.