Warning after resident quoted £1,000 for home insurance due to ‘flood risk’

Mallard Road in Scotton. Photo: Google.

A parish council has issued a warning after a resident was quoted £1,000 for home insurance because the property was now deemed a flood risk.

Scotton Parish Council is worried the high quote is a consequence of plans for ten new houses in the village.

The resident who received the quote lives on Mallard Road in Scotton.

A planning application has been submitted for ten houses on land off nearby Hunton Road at The Larches.

As part of the planning process, a report has been published which warns of a flood risk in the area.

The council said in a statement to residents: “We cannot be sure why this is happening but it does seem to coincide with a report that has appeared on the North Yorks Council’s planning portal in relation to the planning application for 10 new houses to be built on the property that is currently occupied by The Larches.

“The resident who has issues with insurance lives in one of the properties highlighted on a flood risk map contained in the report commissioned by the North Yorks Council.

“Although this only affects a small amount of properties according to the map, we feel it is important that residents be made aware of it.”

This report recommends that waste water from the proposed development be channelled partly into a new drain running from the development to the drainage system in Grebe Avenue.

“Again we cannot say for certain that the two are directly connected but feel residents should be informed of the possible,” the council added.

The parish council is urging residents to get in touch with North Yorkshire Council if they feel they may be affected by the development.

To view the planning application click here.


    • I totally agree! I also wonder where the flood would come from. Is that stated?

  1. The Environment Agency’s standard national flood risk map shows heightened risk for some properties in Mallard Road. This is the map the insurers will have used and is not influenced by the planning application (which shows the same map).
    It’s reasonable for people to be concerned about the increasing cost of flood risk (different insurers will interpret the risk differently) and it’s reasonable for people to object to a planning application but equating the two without any evidence of a connection will probably prove futile. I’m sure there are valid reasons to object.

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