Can You Insure Your Park Home Against Floods?

Can you insure your park home against floods? The answer is generally ‘yes’ but it does depend on various factors. If your park home is in an area that is not at high risk of flooding, then flood damage is covered as part of our standard park home insurance benefits.

However, even homes in higher-risk areas may be insured thanks to Park Home Assist’s participation in the Flood Re scheme. Flood Re is a government-backed initiative that makes it easier and more affordable for homeowners, including park home owners, to get cover against flood damage. You buy your park home insurance in exactly the same way, and we tell you if the cover is provided through Flood Re in your policy schedule.

What is the Flood Re scheme?
Flood Re is a partnership between the UK government and insurance providers, designed to help households who struggle to find affordable flood insurance due to living in flood-prone areas.

  • Eligibility: Covers UK homeowners with properties at higher risk of flooding, generally council tax bands A to H.
  • Premiums: Keeps insurance costs reasonable by sharing high-risk exposure between insurers and Flood Re.
  • Policy limits: Primarily covers flood damage; many policies can also include buildings and contents protection.
  • Transition plan: A temporary measure to allow affordable cover while long-term flood mitigation and resilience solutions are implemented.

More about Flood Re here: https://www.parkhomeassist.co.uk/flood-re

Park Home Assist and Flood Re
Park Home Assist participates in Flood Re, meaning we may be able to offer flood insurance to park homes that might otherwise be declined due to location.

Benefits include:

  • Accessible cover: Protects homes in riverside, low-lying, or flood-prone areas.
  • Peace of mind: Home and possessions are covered if flooding occurs.
  • Comprehensive protection: Policies can also include legal expenses, contents cover, and liability protection.

Get a quote here: https://www.parkhomeassist.co.uk/quote

Why flood cover is important to consider for park homes
Flooding can cause significant damage, loss of possessions, and expensive repairs. Park homes, often located in scenic low-lying areas, are particularly vulnerable.

Flood insurance provides:

  • Fast financial support to repair damage.
  • Assistance with temporary accommodation if your home becomes uninhabitable.
  • Protection against additional costs like replacing fixtures, flooring, or electrical systems.

Without flood cover, homeowners may face substantial out-of-pocket expenses.

How to get insured
To check whether your property is eligible, obtain a quote for your park home insurance online, or call our team on 01604 946 796.

In summary, yes, you can usually insure your park home against floods, thanks to Park Home Assist’s participation in the Flood Re scheme. This provides affordable flood cover for homes in higher-risk locations. Flood Re shares the risk between insurers and homeowners, keeping premiums fair while safeguarding homes and possessions.

With the right cover, park home owners can enjoy their home in confidence, with the peace of mind that comes from knowing insurance support is there if the unexpected happens.

Find out more about park home flood insurance here: https://www.parkhomeassist.co.uk/flood-insurance

Please note that all insurance cover is subject to acceptance of terms and conditions.

This is a marketing article from Park Home Assist, multi award-winning providers of park home insurance, mobile home insurance, insurance for static caravans,  insurance for holiday homes and holiday lodges, as well as boat insurance and touring caravan insurance. If you have any questions about your insurance, then please call our office on 01604 946 796 and one of our insurance advisers will be happy to help.

Published – 14/11/25