You may still be able to arrange buildings and contents insurance, although insurers might apply a higher excess, charge more or impose specific flood terms. Give accurate information about previous flooding and check exactly what the policy covers, including alternative accommodation, escape of water and flood damage to belongings. The government-backed Flood Re scheme may help eligible properties obtain more affordable cover, but not every home or policy qualifies. Check your address on the official GOV.UK flood-risk information and compare policies through an FCA-authorised provider.