Homeowners' perceptions of property-level flood risk adaption (PLFRA) measures: the case of the summer 2007 flood event in England

Flood events have far-reaching consequences, not only in economic or financial terms but also in social and health-related impacts. There is a growing body of research that suggests that property-level flood risk adaptation (PLFRA) measures have the potential to benefit homeowners by reducing the impact
of flooding on households. Emphasis has, therefore, been placed on the implementation of PLFRA measures, and yet despite this, the take-up among the at-risk residents in England is low. One of the reasons identified in the literature is that homeowners do not clearly recognise the benefits of the measures. This research uses a survey of households affected by the summer 2007 flood event in England to investigate the perception of homeowners in connection with the benefits of PLFRA measures. The results highlight that there is a consensus among respondents that implementing adaptation measures has the potential to reduce health-related flood impacts such as worrying, stress and strain between
families. However, there was a high level of uncertainty with regard to potential financial benefits from investing in adaptation measures, in the form of premium reduction by insurers. It was evident from the analysis that knowledge of the frequency of future flood events and expected flood damage rated highly
among the factors perceived by homeowners to influence the uptake of PLFRA measures. Furthermore, the results show that there is a wide range of opinion among the respondents as to who is responsible for protecting homes against flood risk. For instance, the government flood protection scheme has the
potential to provide a confusing message to floodplain residents as to whose responsibility it is to protect properties against flood risk. It is, therefore, recommended that at-risk population should be made aware of the limits of the responsibilities of other stakeholders in the domain of flood risk management
at household levels. However, it is anticipated that the introduction of the new UK flood insurance scheme, Flood Re, may help to bring more clarity. There is a need to increase the motivation of homeowners to invest in PLFRA measures, which could be achieved through a range of actions, including the provision of subsidies and incentives, which would help in promoting more sustainable behaviour.