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The Environment Agency report how low income households are particularly vulnerable to flood risks, and may struggle with impacts:
“Worryingly, low income households are eight times more likely to live in tidal floodplains than more affluent households, but 61% of low-income renters do not have home contents insurance, meaning they’re more susceptible to a financial shock as a result. According to data from insurance company Aviva, most low-income renters would struggle to meet typical insurable losses with nearly three quarters (73%) unable to meet an unexpected bill of £500 without help.”
This concerning analysis also highlights the risk of substantial, long-term impacts to people’s mental health due to flooding:
“Experiencing damage caused by extreme weather such as storms or flooding can increase the chance of facing mental health problems such as stress and depression by 50% while a quarter of people who have been flooded still live with these issues at least two years after the event.”