My hon. Friend mentioned the Boxing day flooding. As she will know, it brought all our communities together, but these events also take away from all our local police services and other services. On that day, police came from Blackburn, Bolton and Burnley to tackle the problems, but as we know, there are sometimes other issues in communities on Boxing day. Does she agree that whole communities are affected? Also, we want people to live in these beautiful places on our patches, but house insurance is nearly impossible to get, because of flooding.