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From a BBC Online report:

“One of the UK’s largest insurers has unveiled technology that will enable it to pinpoint whether individual homes are at risk from flood. At present insurers assess risk through checking if the postcode of the property is in a flood plain.

Nearly five million people live in a flood plain, which makes it hard for them to get cover. Norwich Union has digitally mapped the UK and can now calculate the risk of flood to within a few metres. The insurer will be able to set premiums for home contents insurance based on a particular address rather than just a postcode band, for both residential and commercial properties.”