My Lords, I join the noble Lord, Lord Roborough, and the noble Baroness, Lady Humphreys, in thanking all the people who responded and supported local communities during these floods. There have been many volunteers from the communities, such as farmers—in my community, it was a farmer who came and helped out—as well as the emergency services, the Environment Agency, Natural Resources Wales and so on. Without the extraordinary response that we always get from local communities and our emergency services, things would be so very much worse. Our thanks go out to them.
The Government recognise the terrible impact that flooding has on householders and businesses, and we absolutely sympathise with all those who have been affected over the last week or so. We know that flooding has a devastating effect, whether that is physical damage or disruptions to daily activities. There are also impacts on health, particularly mental health, for those who suffer from flooding.
The noble Lord, Lord Roborough, asked about insurance. This is always a difficult issue once you have been flooded. It is really important that Flood Re exists in the first place. It has made a huge difference over the past few years for those who have struggled to get insurance. As the noble Lord said, we do not currently have any plans to extend its scope, but it will be part of our review of all policies, because there are clearly concerns about those who do not come under Flood Re, whether multiple occupancy homes, businesses or properties built after 2009. If colleagues have examples where properties, particularly those built after 2009, have suffered, I would be very happy to take examples so that, as we review, we have clear evidence in front of us.
We need to consider how we best support households. When Flood Re came in, its scope for eligibility and its duration were agreed alongside government and industry. It is really important that industry supports what government is doing in this space. Any changes to the scope of the scheme have to be consistent with the original agreement and premises that came through with industry—but, clearly, we will keep this under review.
The impact of flooding on farming was mentioned. I thank the noble Baroness for her support for the £60 million that we have distributed to 13,000 farm businesses through the farming recovery fund. In the floods investment programme, the amount of funding a project can attract will depend on the damages that it will avoid and the benefits that it will then deliver. The impact of the project on agricultural land is also included as part of any funding calculator.
We are also looking at reviewing the existing funding formula, which is really important because it has not worked for lots of different people and communities. We will review it to ensure that the challenges businesses and rural and coastal communities face are adequately taken into account. We are looking to open the consultation on that very soon; noble Lords may wish to input into it.
The noble Lord, Lord Roborough, asked about dredging. On average, the Environment Agency spends between £30 million and £45 million a year on river maintenance, which enables it to dredge approximately 60 kilometres to 200 kilometres of main river watercourses every year. Where watercourse maintenance is the responsibility of the Environment Agency, it focuses its efforts on those activities that will achieve the greatest benefit in protecting people and property from flooding, therefore delivering the best value for money—that includes dredging. The assessment is undertaken by the Environment Agency, working in close consultation with local communities. It is important to remember that dredging is unlikely to be effective in isolation and is usually part of a wider approach because the silt can easily build up again.
The Floods Resilience Taskforce was mentioned. It met for the first time in September and is due to meet this year. There are 27 attending organisations, so it is comprehensive in its approach. At the first meeting there was a shared understanding of the weather and flood risk of the current winter to ensure we can be as prepared as we possibly can. It is important that we have a better awareness of EA flood asset conditions across England. There was also an agreement to share lessons from flood response from all tiers of government and with flood responders. Clearly, what we have just been through will be an important part of the next meeting of the Floods Resilience Taskforce.
The task force provides Ministers from Defra, MHCLG and the Cabinet Office with a combined overview of flood resilience, along with flood risk organisations and charities—flood insurance, for example. Although it is devolved, Wales, Scotland and Northern Ireland are standing members. The idea is that it will learn from this instance so that next time we continue to build on how we can best prepare for the future.
The noble Baroness, Lady Humphreys, talked about flooding caused by displacement. That is a really difficult issue, which is why any response we provide is not just about building barriers but about looking at bigger, broader support mechanisms, whether that means bringing in balancing ponds, for example, or better surface water flooding assessments. We have to look at this in the round; building higher only pushes water out.