The flood insurance rating is provided to us by JBA and is the overall combined risk of their river, coastal, groundwater and surface water hazards. It indicates how likely it is that there could be difficulties insuring a property for flooding in the conventional way. It provides a property specific assessment, giving a rating of green (where the risk of flooding is very low), through amber, red, black 1 or black 2 (where the risk of flooding is very high, and regular insurance is likely not to be possible). A statement on the possibility of the property being suitable for the government’s Flood Re scheme is also provided. This scheme enables residential properties which would otherwise not qualify for affordable flood insurance to be insured at a reasonable rate.