Our latest analysis, conducted with MIAC Analytics, explores how rising flood exposure is reshaping lending risk, property values, and long-term financeability across the UK housing market, with particularly strong impacts in London.

The findings highlight the scale of physical climate risks, hidden market vulnerabilities, and the importance of property-level data for lenders, insurers, and investors.

The analysis includes:

• Flood and subsidence exposure across the UK

• Observed impact on property values in high-risk locations

• Rebuild costs versus market values

• Portfolio-level impacts under climate scenarios

• Emerging “uninsurable” zones and geographic risk patterns