Forecasters are warning that several exposed areas across the UK could see a fresh round of flooding over the coming weeks.
Huge waves are already beginning to batter the southern coast and travel by road and rail is restricted in many areas, causing disruption for many commuters.
This new period of bad weather will come as a blow in particular to the 55,000 homeowners whose properties were damaged by the heavy floods of 2007 as well as the more recent floods in 2013.
It seems, however, that people are getting much better at protecting their homes from flood damage, as in spite of several episodes of extreme weather throughout the year, 2013 saw home insurance claims fall by nearly a quarter from the previous year.
According to a report from the Guardian, insurance experts are predicting that this fall in claims will result in home insurance premiums falling by around 5 per cent this year. This would cut around £12.50 off the typical £250 building and contents cost for the average home in the UK.
For those living in flood risk areas, it would be wise to consider taking out flood risk home insurance, or checking what your existing home insurance policy already covers. For more information on the types of home insurance you can get, visit InsureMe-on-Line.