Drivers of present and future residential flood risk in Britain

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In previous assessments of UK flood risk, flood hazard has often been poorly represented by low skill models. Meanwhile, assessments of future flood risk have lacked a detailed representation of future flood exposure. This study represents a significant step forward in both flood hazard and future exposure representation. Using a state-of-the-art climate-conditioned hydrodynamic model for fluvial, pluvial and coastal flooding paired with the latest UK shared socioeconomic projections of population (UK-SSP), we explore how climate-induced changes in flood hazard interact with increasing exposure due to population changes. Using a detailed exposure dataset, we are also able to explore discrepancies in current and future flood risk between residential property types.Our model values current yearly residential economic floods losses at £894 million, with fluvial flooding accounting for approximately 75% of these. This flood risk is not borne equally between the devolved British nations, however. In Scotland and Wales approximately 30% of local authorities have over £100 of annual flood losses per property, whereas only 4% of local authorities in England experience such levels. There are also significant discrepancies in flood risk by property type. Flats and terraced housing experience almost twice the rate of yearly inundations than detached and semi-detached housing. Under a high emissions climate scenario (RCP 8.5), by 2070 we estimate flood risk will increase by 29% whilst under a low emissions scenario (RCP 4.5) flood risk will increase by 10%. Similarly to current flood risk, these increases too are not borne equally across regions and property types.Whilst climate change is set to drive an increase in flood risk over the next 50 years, our study suggests that population dynamics may have potential for offsetting relative flood risk rises. In all SSP projections studied here (SSP1, SSP2 and SSP5), an increase in population drives an increase in the yearly rate of property inundations. As such, the highest increases in flood risk due to population change are seen in SSP5 (+50%). However, due to population growth predominantly occurring in low flood risk areas, relative flood risk decreases most in SSP5 (-10%). Similar changes, although smaller in magnitude, are seen under SSP1 and SSP2. Despite these decreases in relative flood risk due to population change, when paired to climate change, we still see significant increase in flood risk over the next 50 years. Consequently, low emissions scenarios, such as SSP1/RCP2.6, see the lowest increases in flood risk by 2070 (+5%). These results show a clear need for climate change mitigation actions in order to limit flood risk increases. However, this study presents a promising signal where population growth may limit the burden of increased flood risk, due to climate change.