Subsidence risk map: Subsidence Report Risk and Claims
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.
By measure
| Breakdown | Median | Range | Sources |
|---|---|---|---|
| measurebuildings and contents average claim payout change | 17% | 17 to 17% | 1 |
| measurehome insurance claims costs as a share of premium | 48% | 48 to 48% | 1 |
| measureUK rainfall as a share of average, September 2026 | 104% | 104 to 104% | 1 |
Every figure, with its source
One row per published figure: the figure as the source's own page publishes it, the page, and the day it was read. A figure that is not on a page we read is not on this one.
| Source | Figure | Breakdown | Read |
|---|---|---|---|
| Met Office - weather and climate summaries | 104% | UK rainfall as a share of average, September 2026 | 2026-10-12 |
| FCA general insurance value measures data 2025 | 48% | home insurance claims costs as a share of premium | 2026-10-12 |
| FCA general insurance value measures data 2025 | 17% | buildings and contents average claim payout change | 2026-10-12 |
The sentence each figure was read from (3)
- Met Office - weather and climate summaries, read 2026-10-12:
Rainfall for the UK was around average (104% of the long-term average), but as often happens there was strong regional variation.
- FCA general insurance value measures data 2025, read 2026-10-12:
at 48% for home insurance, combining buildings and contents (46% in 2024).
- FCA general insurance value measures data 2025, read 2026-10-12:
especially buildings and contents, where it rose by 17%.
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
41 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (12)
- BGS GeoSure: shrink-swell(the publisher's own terms; quoted for reporting and comment)
- BGS GeoSure: shrink-swell subsurface(the publisher's own terms; quoted for reporting and comment)
- BGS GeoClimate shrink-swell(the publisher's own terms; quoted for reporting and comment)
- BGS - swelling and shrinking soils(the publisher's own terms; quoted for reporting and comment)
- BGS - six datasets for assessing shrink-swell subsidence hazards(the publisher's own terms; quoted for reporting and comment)
- BGS - shrink-swell property hazard information(the publisher's own terms; quoted for reporting and comment)
- GeoSure shrink-swell deposits (data.gov.uk)(the publisher's own terms; quoted for reporting and comment)
- FCA general insurance value measures data 2025(the publisher's own terms; quoted for reporting and comment)
- FCA general insurance value measures data 2024(the publisher's own terms; quoted for reporting and comment)
- Met Office - weather and climate summaries(the publisher's own terms; quoted for reporting and comment)
- Met Office - UK and regional series(the publisher's own terms; quoted for reporting and comment)
- The Coal Authority(the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
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.
Cite as: "subsidencereport.co.uk Subsidence Report Risk and Claims", updated 2026-10-28, https://subsidencereport.co.uk/datasets/subsidence-report-risk-and-claims/.
Download the CSV (3 rows, computed 2026-10-28)