Grants and funding

Help paying for flood protection

Written by Flood Protection Finder editorial team · Last updated · How we write our guides

Grants, insurance support and council schemes that can help with surveys and flood-resilience work, listed by area.

Before you apply Schemes open and close after specific floods, and rules differ between councils. Always check with your council before booking a survey or signing a contract.

UK-wide

Help available wherever you live.
Insurance

Flood Re Build Back Better

If you make a flood claim with a participating insurer, you may be able to add flood-resilience measures to your repairs.
  • Only available through participating home insurers
  • Paid on top of the cost of repairing flood damage
  • Ask your insurer when you make your claim
Typical amount Up to £10,000 Ongoing, varies by insurer
Charity support

National Flood Forum

Free advice on protection, grants and recovery, plus support for community flood groups.
  • Helpline and online guidance
  • Help understanding survey reports
  • Support setting up a community flood group
Typical amount Free advice Ongoing

England

Most grants are run by county and unitary councils, funded by Defra and the Environment Agency.
After a named flood

Property Flood Resilience Repair Grant

Offered after major floods when the government activates the Flood Recovery Framework, as it did after Storms Babet and Henk.
  • For homes and businesses that flooded internally in the named event
  • Needs an independent survey for doors and barriers
  • Claimed back from your council after the work
Typical amount Up to £5,000 Only after activated events
Council schemes

Local PFR schemes

Some councils run their own schemes for high-risk streets, often funded through Flood Defence Grant in Aid.
  • Usually targeted at named communities
  • Council may arrange the surveys and installers
  • Check your county or unitary council website
Typical amount Varies Varies by council

Wales

Schemes are run by local councils, often with Welsh Government funding.
Council schemes

Local property flood resilience schemes

Councils run schemes for properties at high risk or recently flooded, often as part of wider flood-risk plans.
  • Check your council's flood-risk management pages
  • Natural Resources Wales publishes flood maps and warnings
  • Community schemes may cover several streets at once
Typical amount Varies Varies by council

Scotland

Councils lead on flood-risk management, and several now offer property-level grants.
Fife Council

Property Flood Resilience Grant

For homeowners and businesses in Fife making their property more resilient to flooding.
  • Homes and businesses can apply
  • Council assesses supporting information
  • Apply online, by email or by post
Typical amount Up to £5,000 Check with Fife Council
Perth and Kinross Council

Property Flood Resilience Grant Scheme

Launched in May 2026 and extended in June 2026 after strong demand.
  • Open to homeowners and businesses
  • Priority based on flood risk and eligibility
  • Part of the council's wider flood-resilience programme
Typical amount Varies Open, 2026
Other councils

Local schemes

Other Scottish councils may offer help. SEPA publishes flood maps, and the Scottish Flood Forum gives free advice.
  • Check your council's flooding pages
  • Sign up to Floodline for warnings
Typical amount Varies Varies by council

Northern Ireland

Run by the Department for Infrastructure.
Department for Infrastructure

Homeowner Flood Protection Grant Scheme

Helps homeowners whose properties have flooded, or are at significant risk, to fit property-level protection.
  • For homes, not businesses
  • Needs an eligibility check and survey
  • Apply to the Department for Infrastructure
Typical amount Check current limit Check with DfI

How grants usually work

  1. Check whether your council has an open scheme and whether your property qualifies.
  2. Book an independent property flood survey. For doors and barriers, most schemes need the surveyor to be independent of the installer.
  3. Get quotations based on the survey's recommendations and send them to the council for approval.
  4. Have the work installed, then claim with your invoices and proof of payment.
Need an independent survey for a grant? Find surveyors near you who don't sell or install products.
Find a surveyor
Information checked September 2026. Scheme amounts and eligibility change often; your council's rules take priority over this page.