Insurers are continuing to warn that they might not be able to guarantee offering flood protection to some customers if government cutbacks affect the budget for flood defences.
At the moment, the Association of British Insurers has a deal with the government by which it promises to offer cover to all but those at the most at-risk homes, with the government committing to boosting defences. That deal runs out in 2013 and the ABI says that it can't be extended in its current form.
The two sides are also in dispute about whether the ABI has lived up to it's side of the deal. Critics say that those who suffer costs face hefty premium and excess rises, and there are questions about whether specific flood defence improvements have been reflected in lower premiums for affected householders.
In reply, the ABI argues that many people in flood-prone areas pay low premiums in comparison to their actual risk levels, and that most home insurers provide cover beyond what was promised in the agreement.
The Department for Environment, Food and Rural Affairs is continuing to consult on ways to tackle the flood insurance issue after 2013.