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Flood Re is a flood reinsurance scheme designed to improve the availability and affordability of flood insurance for households at high flood risk. Flood Re does not deal directly with homeowners, but instead allows insurance companies to pass on the high flood risk element of household insurance policies to them for a below market rate set premium. Flood Re is available through more than 85 insurance brands representing 94% of the home insurance market. We encourage homeowners to shop around to get the best deal for their home insurance.