{ "name": "subsidencereport.co.uk Subsidence Report Risk and Claims", "title": "Subsidence Report Risk and Claims", "url": "https://subsidencereport.co.uk/datasets/subsidence-report-risk-and-claims/", "csv": "https://subsidencereport.co.uk/datasets/subsidence-report-risk-and-claims.csv", "markdown": "https://subsidencereport.co.uk/datasets/subsidence-report-risk-and-claims/index.md", "computed_at": "2026-10-28", "license": "https://subsidencereport.co.uk/terms", "headline": "The Subsidence Report Risk and Claims carries 3 published figures read from 2 sources' own pages, from 17 to 104 percent, read 12 October 2026.", "quotes": [ "The Subsidence Report Risk and Claims carries 3 published figures read from 2 sources' own pages, from 17 to 104 percent, read 12 October 2026.", "2 of the 0 named sources read in full publish a figure; 0 publish none, read 12 October 2026.", "Subsidence Report Risk and Claims, measure buildings and contents average claim payout change: median 17 percent across 1 source, read 12 October 2026.", "Subsidence Report Risk and Claims, measure home insurance claims costs as a share of premium: median 48 percent across 1 source, read 12 October 2026.", "Subsidence Report Risk and Claims, measure UK rainfall as a share of average, September 2026: median 104 percent across 1 source, read 12 October 2026." ], "citation": "\"subsidencereport.co.uk Subsidence Report Risk and Claims\", updated 2026-10-28, https://subsidencereport.co.uk/datasets/subsidence-report-risk-and-claims/.", "changed_since": null, "national": { "unit": "%", "n": 3, "median": 48, "min": 17, "max": 104, "p25": 17, "p75": 104, "mean": 56.3333, "units": { "%": 3 }, "published_sources": 2, "named_sources": 12, "read_sources": 0, "not_published": 0, "published_share": 2 }, "by_axis": { "measure": { "buildings and contents average claim payout change": { "%": { "n": 1, "median": 17, "min": 17, "max": 17, "p25": 17, "p75": 17, "mean": 17 } }, "home insurance claims costs as a share of premium": { "%": { "n": 1, "median": 48, "min": 48, "max": 48, "p25": 48, "p75": 48, "mean": 48 } }, "UK rainfall as a share of average, September 2026": { "%": { "n": 1, "median": 104, "min": 104, "max": 104, "p25": 104, "p75": 104, "mean": 104 } } } }, "rows": [ { "source": "FCA general insurance value measures data 2025", "url": "https://www.fca.org.uk/data/general-insurance-value-measures-data-2025", "figure": "17%", "value": 17, "unit": "%", "vat": null, "axis": { "measure": "buildings and contents average claim payout change" }, "retrieved_at": "2026-10-12", "quote": "especially buildings and contents, where it rose by 17%.", "source_class": "primary-government", "text_sha256": "39197b5e452e8519265755e3937744fe100bc03672b15b6453491781781df2e4" }, { "source": "FCA general insurance value measures data 2025", "url": "https://www.fca.org.uk/data/general-insurance-value-measures-data-2025", "figure": "48%", "value": 48, "unit": "%", "vat": null, "axis": { "measure": "home insurance claims costs as a share of premium" }, "retrieved_at": "2026-10-12", "quote": "at 48% for home insurance, combining buildings and contents (46% in 2024).", "source_class": "primary-government", "text_sha256": "39197b5e452e8519265755e3937744fe100bc03672b15b6453491781781df2e4" }, { "source": "Met Office - weather and climate summaries", "url": "https://www.metoffice.gov.uk/research/climate/maps-and-data/summaries", "figure": "104%", "value": 104, "unit": "%", "vat": null, "axis": { "measure": "UK rainfall as a share of average, September 2026" }, "retrieved_at": "2026-10-12", "quote": "Rainfall for the UK was around average (104% of the long-term average), but as often happens there was strong regional variation.", "source_class": "primary-government", "text_sha256": "80b33ab79c5ba07cbe8ab52cb73442de2c770c197c23c433eb4bfb1b0caa90ad" } ], "not_published": [], "sources": [ { "url": "https://www.bgs.ac.uk/datasets/bgs-geosure-shrink-swell/", "label": "BGS GeoSure: shrink-swell", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.bgs.ac.uk/datasets/bgs-geosure-shrink-swell-subsurface/", "label": "BGS GeoSure: shrink-swell subsurface", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.bgs.ac.uk/datasets/geoclimate-shrink-swell/", "label": "BGS GeoClimate shrink-swell", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.bgs.ac.uk/geology-projects/shallow-geohazards/clay-shrink-swell/", "label": "BGS - swelling and shrinking soils", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.bgs.ac.uk/news/six-bgs-datasets-for-assessing-shrink-swell-subsidence-hazards/", "label": "BGS - six datasets for assessing shrink-swell subsidence hazards", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.bgs.ac.uk/datasets/bgs-geosure-shrink-swell/shrink-swell-property-hazard-information/", "label": "BGS - shrink-swell property hazard information", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.data.gov.uk/dataset/44bbc251-0dd4-4678-9ca6-19e4cf288642/geosure-shrink-swell-deposits2", "label": "GeoSure shrink-swell deposits (data.gov.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fca.org.uk/data/general-insurance-value-measures-data-2025", "label": "FCA general insurance value measures data 2025", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fca.org.uk/data/general-insurance-value-measures-data-2024", "label": "FCA general insurance value measures data 2024", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.metoffice.gov.uk/research/climate/maps-and-data/summaries", "label": "Met Office - weather and climate summaries", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.metoffice.gov.uk/research/climate/maps-and-data/uk-and-regional-series", "label": "Met Office - UK and regional series", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.gov.uk/government/organisations/the-coal-authority", "label": "The Coal Authority", "license": "the publisher's own terms; quoted for reporting and comment" } ], "methodology": "Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 2 of the 0 named sources that could be read published a usable figure; 0 published none and are recorded as not published, never filled in; 12 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source for each breakdown it prices, in % (a source's median where its page yielded several accepted sentences for one breakdown), so a page that gives figures for several breakdowns gives one for each and N counts 3 figures, never sentences; 41 candidate sentence(s) were refused by a reviewer with the reason recorded. The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): the BGS shrink-swell hazard class joined to the FCA's per-firm home-insurance claims frequency and average payout and to the Met Office's monthly rainfall and regional series. Across them the figures nobody publishes: hazard class by postcode district beside the claims season that follows a dry summer, the regional split of claim frequency against the regional split of shrinkable clay, and the year-on-year series that says whether a dry spring turns into a claim spike six months later - the one thing a homeowner with a new crack actually wants to know and the one thing the hazard map alone cannot tell him", "embed": "

17 to 104 percent

3 published figures, Subsidence Report Risk and Claims, across 2 sources, read 12 October 2026

Source: subsidencereport.co.uk Subsidence Report Risk and Claims
" }