Homeowners across England are set to gain a clearer understanding of their property's flood risk through new Flood Performance Certificates (FPCs). The government and Flood Re unveiled plans today, 13 October 2026, for these certificates to provide standardised information on flood risk and resilience.
The FPCs will be piloted, starting this year in areas prone to flooding, with additional pilots scheduled throughout 2027 and beyond. The aim is for FPCs to act as a reliable source of information, similar to Energy Performance Certificates, by detailing a property's flood risk through categories such as exposure, characteristics, and resistance.
These certificates are designed to help people understand their property's vulnerabilities and identify necessary actions. They are intended to encourage greater adoption of practical resilience measures, such as self-closing air bricks, flood-resilient kitchens, and flood barriers. Flood Re's ambition is for app-based flood self-assessments to become routine, allowing homeowners to understand their individual risk and take steps to mitigate it, with these actions potentially being recognised by insurers over time.
Floods Minister Emma Hardy stated that the FPCs will give people access to clear, trusted information about their home's flood risk, enabling them to become more resilient. Perry Thomas, CEO of Flood Re, added that the certificates are about turning awareness into action, encouraging investment in resilience to reduce the impact of flooding.