Britan’s climate is changing, and the effects will be widespread and varied across the country. We have worked closely with recognised experts in the domains of flooding and subsidence, Ambiental and Terrafirma respectively, to assess the impact of Britains changing climate on properties. An additional 1.3 million properties will be at risk of flooding by 2050 in some climate change scenarios, for subsidence the figure is even higher at 1.9 million in the same scenarios. The additional insurance exposure for flooding is in the region of £50 Billion. Typical subsidence claims are lower than flooding claims, but are expected to be more widespread and will result in additional exposure of almost £12 billion by 2050. Areas such as the south and east coasts are particularly at risk of increased flooding, while subsidence risk is expected to increase in areas where clay soils are prevalent, such as the North-East and West Midlands.