:00:14. > :00:20.Wales has been hit by a summer of flash floods. It took three months
:00:20. > :00:26.to draw it out properly. Mid-thigh height. Homes and businesses ruined.
:00:26. > :00:30.The odds are there is more of this to come. So the bad news in terms
:00:30. > :00:36.of flooding it can only get considerably worse. Are we making
:00:36. > :00:40.matters worse, where we build? a disastrous policy to build on
:00:40. > :00:45.flood plains, why don't you stop? Who will pick up the bill if
:00:45. > :00:55.insurers pull the plug? The only way to get insurance is maybe to go
:00:55. > :01:21.
:01:21. > :01:26.Hardly a day seems to have gone by without rain. But for some
:01:26. > :01:36.communities, it's been even worse, having to deal with the devastating
:01:36. > :01:38.
:01:38. > :01:43.consequences of flooding, as they know only too clearly in Mid Wales.
:01:43. > :01:47.Devastated, shocked. I've just decorated it all and had new carpet.
:01:47. > :01:55.People who've lived here for years, say they've never seen anything
:01:55. > :02:00.like it. It's getting worse, not better at the moment. It's
:02:00. > :02:10.overwhelmed three cottages coming right through. That's my car half
:02:10. > :02:20.under water in the front garden. I'm just exhausted, you know,
:02:20. > :02:26.
:02:26. > :02:30.Out the back here, this is where the water was cascading over, like
:02:30. > :02:33.a water fall. It brought the wall down either side. It's lucky the
:02:33. > :02:38.wall never caved in when anyone was walking along here. I dread to
:02:38. > :02:42.think what would have happened, the weight of it. Do you find that
:02:42. > :02:45.unnerving to see that and reflect on that? I heard it go. There was a
:02:45. > :02:50.horrible thump and a thud and the whole of the building shook. I
:02:50. > :02:53.could have still be in that bed or the whole house could have been
:02:53. > :03:03.inundated. Yeah, I feel sorry for people who've come off worse than
:03:03. > :03:04.
:03:04. > :03:09.me. Mike was lucky to get out. Next door, Beverley Jones and her five-
:03:09. > :03:14.year-old daughter almost didn't. The water level was a couple of
:03:14. > :03:19.feet up. There was also water in the house at this point. You were
:03:19. > :03:23.on the inside? Yes, I was. Pulling on the door, not getting anywhere?
:03:23. > :03:27.No. Was that frightening? It was. Especially when I heard the thud
:03:27. > :03:30.and the bang that the retaining wall out the back made. There was a
:03:30. > :03:35.fireman trying to get into the kitchen window. But it's very small,
:03:35. > :03:38.so he couldn't get in. There were three firemen stood outside. They
:03:38. > :03:45.managed to open the door and with that the gush of twhaurt came in
:03:45. > :03:53.was incredible. Due feel as if your life was at risk at that point?
:03:53. > :04:02.did. Within an hour, people living in these cottages saw their homes
:04:02. > :04:12.ruined. They weren't alone. In total a thousand people across Mid
:04:12. > :04:13.
:04:13. > :04:17.Wales were affected. Winching in. Steady there.
:04:17. > :04:23.The news cameras have gone, but for those affected, the story is far
:04:23. > :04:33.from over. They all want to know why they were hit so hard by floods
:04:33. > :04:37.
:04:37. > :04:41.The people of Ceredigion might think they've been very unlucky,
:04:41. > :04:46.after all more than a month's rain fell in one day and that's not
:04:46. > :04:51.supposed to happen. It was an unprecedented event, a freak, no-
:04:51. > :04:56.one could remember anything like it. The truth is that it fits into a
:04:56. > :05:06.worrying trend. I'm talking about climate change and one of the
:05:06. > :05:07.
:05:07. > :05:12.world's leading experts lives just around the corner. Sir John
:05:12. > :05:15.Houghton chaired the international panel on change. It drafted its
:05:15. > :05:21.first ground-breaking reports, warnings accepted by governments
:05:22. > :05:25.worldwide. His message today remains stark. Some people in the
:05:25. > :05:32.political world seem unwilling to accept how bad it is likely to be.
:05:32. > :05:37.They should look at our documents. They should look at the IPCC's work.
:05:37. > :05:40.Nearly everything that we've said, things are in the upper side of the
:05:40. > :05:45.estimates that we made. The rain will tend to come down in bigger
:05:45. > :05:49.dollops with more intensity. The likelihood is by the middle of the
:05:49. > :05:52.century on average around the globe, an increase in the risk of floods
:05:52. > :06:02.and droughts of the order of a factor of five. That's a very large
:06:02. > :06:07.
:06:07. > :06:10.number. The odds are shortening and The Environment Agency too have
:06:10. > :06:15.some startling predictions about the effect of climate change and
:06:16. > :06:19.development on the numbers at high risk in Wales. They're predicting
:06:19. > :06:23.by the end of the century Newport will see numbers at risk of
:06:23. > :06:28.flooding double from 6,000 to 12,000 in. Cardiff, from a couple
:06:28. > :06:33.of hundred to 4,000 plus. Even inland, the towns of Risca and
:06:33. > :06:37.Ystwyth Medical Centre, the risk will triple. Swansea will also see
:06:37. > :06:41.numbers almost double. Llanelli and Port Talbot are already with
:06:41. > :06:46.thousands of homes at risks in. North Wales, Rhyl will see numbers
:06:46. > :06:56.jumping from 3,500 to 5,000. Overall, numbers of properties at
:06:56. > :07:00.risk in Wales will double. That's just those that are most at risk.
:07:00. > :07:05.It might be all too easy to think it's only those people who live
:07:05. > :07:09.close to rivers or in low lying coastal areas that have a problem,
:07:09. > :07:14.but the Environment Agency has told us that in Wales, 600,000 people,
:07:14. > :07:20.that's one in five of us, live in properties that are vulnerable to
:07:20. > :07:22.flooding. With climate change threatening to put more at risk,
:07:22. > :07:27.the issue is concentrating the minds of those who are trying to
:07:27. > :07:31.keep us safe. This summer, we've seen a great deal of rainfall, you
:07:31. > :07:36.know the highest on record, so flooding has been a challenge for
:07:36. > :07:45.us this year. I think we need to be prepared for it as a challenge in
:07:45. > :07:50.the future. Our main lounge. As you can see, it's a bit of a state at
:07:50. > :07:56.the moment. Local Councillor Gareth Davies is rebuilding his house. He
:07:56. > :08:02.and his neighbours on the outskirts of Aberystwyth saw their homes
:08:02. > :08:09.flooded for the first time. I have doubts as to the wisdom of
:08:09. > :08:14.developing on flood plains. We've seen from areas of Aberystwyth that
:08:14. > :08:18.if you build on a natural flood plain, then that water has to go
:08:18. > :08:23.somewhere else. Flood water normally runs into the field
:08:23. > :08:29.opposite. He believes the increasing development in the area
:08:29. > :08:33.is putting his property at greater risk. Things may even get worse.
:08:33. > :08:39.There are discussions taking place at the moment, as I understand,
:08:39. > :08:44.with a developer of buying all these fields up here as residential
:08:44. > :08:49.homes. In a word, what would you think of that? Madness. Salute
:08:49. > :08:52.madness. You have to question the future of any such development, to
:08:52. > :08:59.be honest, not only in this field here, but further down the valley
:08:59. > :09:04.as well. You know, I can show you photos of 30, 40 years ago. It was
:09:04. > :09:08.even under water then. An aerial view of the area shows just how
:09:08. > :09:14.much the town's flood plain has changed. In the 70s this is still
:09:15. > :09:24.an area of green fields. Today, some of the fields are still there,
:09:25. > :09:27.
:09:27. > :09:32.but so are developments of housing, offices and shops. Professor Mark
:09:32. > :09:37.Macklynis is an expert on river flows at the internationally
:09:37. > :09:41.aclaimed earth studies department at Aberystwyth. He has released a
:09:41. > :09:47.report into why the recent floods were so devastating and one reason
:09:47. > :09:52.stands out. We've got the flood plain map in 1906, showing the
:09:52. > :09:56.urban areas in grey. We can pack out Llanbadarn Fawr. And the blue?
:09:57. > :10:01.That's the Environment Agency's 100 year flood limits. This is where
:10:01. > :10:06.it's likely to flood. Exactly. Let's bring it to the modern day.
:10:06. > :10:10.This is the situation in the present, exactly the same scale.
:10:10. > :10:15.can see the blue area is full of development. It is. Unfortunately.
:10:15. > :10:20.Both in terms of new housing, supermarkets, and also the
:10:20. > :10:23.industrial estate as well. Should they be there? In my view, no.
:10:23. > :10:28.They're exposing folk to increased flood risk in a way that shouldn't
:10:28. > :10:33.be the case. What is the consequence of building on a flood
:10:33. > :10:37.plain? The consequence, as you clearly see here, is that the
:10:37. > :10:41.people who live here is exposed to greater flood risk. A consequence
:10:41. > :10:51.of that development itself actually changes the flood risk both up and
:10:51. > :10:53.
:10:53. > :10:57.down stream. So there's actually a two-fold effect. The surgery
:10:57. > :11:03.remains closed after it was submerged on Saturday. The doctors
:11:03. > :11:06.and nurses have relocated to another site. I got a phone call
:11:06. > :11:13.from the practice manager saying you have to get to the surgery now.
:11:13. > :11:17.I came down here with my husband to be met with a scene of devastation.
:11:17. > :11:21.This GP Medical Centre is in the middle of that flood plain
:11:21. > :11:24.development. It's so severely damaged that it can't be re-
:11:24. > :11:27.occupied until February next year. When a development like this is
:11:27. > :11:31.being considered, we think the people who know, the people with
:11:31. > :11:35.the expertise in flooding, in planning etc will take these things
:11:35. > :11:39.into account. We perhaps believed too readily their judgments,
:11:39. > :11:44.without actually considering the sort of more simple facts of this
:11:44. > :11:48.was a flood plain and it's acted as a flood plane as a millennia and to
:11:48. > :11:53.build on it will have consequences. Approval for building here on flood
:11:53. > :11:58.plains came from the local Council. Their offices are just across the
:11:58. > :12:03.road from the GP surgery. It's all too tempting, if you can create
:12:03. > :12:07.jobs, if you can build communities to just turn a blind eye, on the
:12:07. > :12:11.basis that, well, it may not happen for another 100 years, so let's go
:12:11. > :12:17.ahead and do it any way. I hope it doesn't happen for another 100
:12:17. > :12:22.years. Buff I take your point. The trouble is, quite often in rural,
:12:22. > :12:26.hilly areas, mountainous areas like Wales, quite often the only places
:12:26. > :12:30.available to develop happen to be on valley floors. You're caught
:12:30. > :12:34.between the devil and the deep blue sea. If you develop on the flood
:12:34. > :12:39.plains you might well end up in the deep blue sea. That's really what
:12:39. > :12:43.nobody wants. Exactly, I totally agree with you. It's a dilemma for
:12:43. > :12:49.all councils. We need more housing, more offices, more business space
:12:50. > :12:54.and even GPs surgeries. They have to go somewhere. In Scotland, they
:12:54. > :12:59.have a firmer view on how much development their flood plains can
:12:59. > :13:05.take. Here, the risk of building on flood plains was brought home
:13:05. > :13:08.vividly 20 years ago by an event that happened in Perth. By morning,
:13:08. > :13:15.the full extent of the flood damage could be seen. These are playing
:13:15. > :13:21.fields. The tips of the goal posts just visible. David Crichton is one
:13:21. > :13:25.of the leading authorities on flood risk insurance. Where did the water
:13:25. > :13:29.come to? The top of the door, about two experts. He and other experts
:13:29. > :13:34.were asked to find ways of minimising the risk of flooding.
:13:34. > :13:38.The groups of people involving insurers, property developers and
:13:38. > :13:41.planners came together and said, this is silly, it's crazy to
:13:41. > :13:48.continue building in flood risk areas, let's just stop it. The
:13:48. > :13:52.property developers were not very happy. But faced with the
:13:52. > :13:57.onslaught,if you like, of the planners, worried about their
:13:58. > :14:04.liabilities and ensurers worried about the high risk, they
:14:04. > :14:11.eventually stopped. I think the compassion overcomes the desire for
:14:11. > :14:18.economic growth. Along with the damage that flooding brings, there
:14:18. > :14:26.is also personal trauma. Beverley and her daughter survived the flood
:14:26. > :14:30.in their house they share with their mother. This is your
:14:30. > :14:33.environment and you feel safe, you know, whatever you choose or
:14:33. > :14:37.wherever you choose your environment, you feel safe in that.
:14:37. > :14:42.And it hit me like a brick wall. I went over to the doctors and you
:14:42. > :14:48.know, and she said no, you've just experienced, this is the last straw
:14:48. > :14:52.that broke the camel's back. Traumatic stress? Yes, I have 37
:14:52. > :14:58.boxes of stuff, personal things that you've got that you've been
:14:58. > :15:01.and put out with family or with friends. It's like a huge jigsaw
:15:01. > :15:11.puzzle. You're very vulnerable because you have lost your
:15:11. > :15:16.
:15:16. > :15:20.This was the lounge. There was carpet. I had a table and four
:15:20. > :15:24.chairs there, three-piece suite. the corner? Yeah and Welsh dresser
:15:25. > :15:29.in that corner, television, you know, a nice, I hadn't long
:15:29. > :15:35.decorated in here. It had all just been o done. I'm looking forward to
:15:35. > :15:38.getting back in me home, once it's all done up. But I will have a
:15:38. > :15:45.certain amount of apprehension, you know, should another event like
:15:45. > :15:52.this ever happen again. It does prey on your mind, obviously. I
:15:52. > :15:57.wouldn't be telling the truth if I said otherwise. When the increasing
:15:57. > :16:02.effects of flooding became all too clear, in 2004, the Welsh
:16:02. > :16:08.Government decided to take action. It passed a new regulation,
:16:08. > :16:12.technical advice note 15, or TAN15. It's planning guidance from the
:16:12. > :16:16.Government which is trying to make sure that we're not adding to this
:16:16. > :16:21.problem. A lot of development has taken place in the flood plain, but
:16:21. > :16:27.going forward, we need to make sure we're not adding to that. It spells
:16:27. > :16:30.out clearly that homes should not be built on flood plains. But Week
:16:30. > :16:38.In Week Out has discovered that the new law seems to have had little
:16:38. > :16:41.effect. When TAN15 came in half of applications sunted to the
:16:41. > :16:46.Environment Agency in Wales were still given permission. The
:16:46. > :16:50.following year that figure dropped as the new law hit home. By 2011,
:16:50. > :16:57.development was once again just as likely to be given the go ahead as
:16:57. > :17:03.before. In fact, since TAN15 was passed 745 schemes have been built
:17:03. > :17:08.in flood risk areas. So what's changed? Well, it seems, that this
:17:08. > :17:13.might have made a difference. It's a circular written by Carwyn Jones
:17:13. > :17:19.when he was environment minister in Wales in 2006. It serves to clarify
:17:19. > :17:25.the new law governing building on flood plains. It includes some
:17:25. > :17:28.telling points for the Environment Agency in Wales. In one key
:17:28. > :17:33.paragraph Mr Jones says he only expects the agency to object where
:17:33. > :17:38.it is appropriate to do so in flood Risk Management terms. Rather than
:17:38. > :17:45.as a matter of principle, therefore the Environment Agency may object
:17:45. > :17:51.not will object. It's very carefully worded. It
:17:51. > :17:55.appears, to me, to be telling the Environment Agency that they don't
:17:55. > :18:00.need to object to new development on the grounds of flood risk.
:18:00. > :18:07.What's your impression of such sentiments? I think it is
:18:08. > :18:12.irresponsible. Mr Jones's letter appears to have hit home. Since
:18:12. > :18:16.2006, the Environment Agency has been withdrawing outright
:18:16. > :18:26.objections, allowing adapted schemes to go ahead. So have they
:18:26. > :18:26.
:18:26. > :18:29.been warned off? I would refute that. As I say, we will provide our
:18:29. > :18:35.expert flood risk advice to the local authority and if necessary,
:18:35. > :18:40.we will object. Well, I put it to you that in 428 cases since you
:18:40. > :18:43.received that letter, you were advised -- you revised your
:18:43. > :18:49.objection. We looked to see whether or not the flood risk can be
:18:49. > :18:52.managed. If it can be, then that means that the flood risk can be
:18:52. > :18:58.avoided. Any sort of development on a flood plain is a seriously bad
:18:58. > :19:03.idea, isn't it? I think that's taking a rather extreme view. The
:19:03. > :19:07.sort of... Isn't that the point of TAN15? You need to look at the
:19:07. > :19:13.exact type of risk that you're dealing with. You need to be able
:19:13. > :19:23.to see whether or not you can actually manage that. But can that
:19:23. > :19:34.
:19:34. > :19:39.risk be managed? Mick and Jennie We're both kind of watery based
:19:39. > :19:43.people and like messing about with water. That's why we came to live
:19:43. > :19:46.in this area, because of the hills, the rivers an the sea. We get
:19:46. > :19:52.tremendous pleasure being in the environment and experiencing all
:19:52. > :19:56.these things. That included buying an idyllic cottage in tolly bont,
:19:56. > :20:01.complete with a river in the back - - Talybont, complete with a river
:20:01. > :20:05.in the back garden. We talked about it and thought we might get flooded,
:20:05. > :20:10.but I imagined two or three inches into the kitchen, not seven foot.
:20:10. > :20:16.Yes, it was a major wake-up call. Do you worry about that, though?
:20:16. > :20:20.Not particularly worry about it. Yeah. You do? I do, a bit. But I
:20:20. > :20:25.think it's focused our minds in working out how we live in this
:20:25. > :20:30.house in a different way. All our valuable stuff will be upstairs.
:20:30. > :20:34.There are things we can do. I'm in discussion with the highways
:20:34. > :20:40.department about the bridge, how to deal with the wall in front of the
:20:40. > :20:43.house. All these things may lessen the effect of a flood.
:20:43. > :20:49.community of Talybont is not alone in recognising the need to improve
:20:49. > :20:57.its flood defences. These are often seen as the solution. Many flood
:20:57. > :21:03.plains in Wales have them with millions being spent each year.
:21:03. > :21:07.That gets jammed with rubbish. stream at Llanbadarn Fawr a meeting
:21:07. > :21:13.organised by the Environment Agency is offering the community ideas and
:21:13. > :21:16.a possible defence solution. But at what cost? Funding is an issue. The
:21:16. > :21:20.Environment Agency have spoken about a cost of being about
:21:20. > :21:23.�100,000, which is not a great deal of money when you take into account
:21:23. > :21:27.the amount of insurance claims that have gone in. I would hope that
:21:27. > :21:31.Government would fund the flooding defences that are needed to sort
:21:31. > :21:34.our problem out. Of course, there is an issue of maintenance and that
:21:34. > :21:39.is an issue that needs to be addressed and fairly quickly I
:21:39. > :21:43.would suggest. The Environment Agency calculates that the money
:21:43. > :21:48.they're already spending on defences will have to increase
:21:48. > :21:55.three fold to meet future demand. All the agencies accept that's
:21:55. > :21:59.unrealistic yet councils keep giving permission to build, even
:21:59. > :22:04.against advice. Your Council has approved at least three other
:22:04. > :22:08.schemes, Capel Bangor, Penrhyn Coch, 2010, 2008, 2008. You're going back
:22:08. > :22:11.a few years now. I'm in the aware that those are huge developments.
:22:11. > :22:15.In fact they are developments on flood plains, against the advice of
:22:15. > :22:18.the Environment Agency. If they were, I'm very surprised. I'm Notts
:22:18. > :22:21.a member of that committee. I don't know the detail of these. I
:22:22. > :22:30.wouldn't be happy to see developments on flood plains now at
:22:30. > :22:34.all. As we continue to build, the stakes are being raised. The
:22:34. > :22:39.authorities say they accept that climate change is a reality, but is
:22:39. > :22:43.the real level of risk being passed on to the public? There is a very
:22:43. > :22:48.detailed flood map available on the Environment Agency's website. But
:22:48. > :22:51.is it telling us what we need to know? How would it look if
:22:51. > :22:56.Professor Houghton's prediction was factored in? If you talk of a
:22:56. > :23:03.factor of five, then one in 200 becomes one in 40. Instead of
:23:03. > :23:07.waiting 200 years for the next one, you wait 40. You have 50-year
:23:07. > :23:12.periods, it's one in ten years. That's a scary story for all of us,
:23:12. > :23:18.actually. If you include Professor Houghton's predictions this would
:23:18. > :23:23.be the result in Aberystwyth. This is the current tidal flood plain
:23:23. > :23:28.map for a one in 200 year event. But more extreme weather and a one
:23:28. > :23:36.metre rise in sea levels would see it grow to this. Add in river
:23:36. > :23:40.flooding, more people are going to be at risk more often. The website
:23:40. > :23:44.also surprisingly doesn't include much data on historical floods. If
:23:44. > :23:48.it did, it would be clear that the June floods were not as
:23:48. > :23:52.unprecedented as claimed. The 24 hour rainfall was about 146mm,
:23:52. > :23:57.that's only the sixth largest in the historical record in Wales. It
:23:57. > :24:01.doesn't come even in the top 15 for the UK. We have probably larger
:24:01. > :24:04.floods in the 1970s and 60s, but we didn't have the degree of
:24:04. > :24:09.development. What do you make of mapping that goes on, the
:24:09. > :24:16.Environment Agency will offer on their website, is it accurate?
:24:16. > :24:22.precise, but probably not accurate. As the Ystwyth Medical Centre found
:24:22. > :24:25.out. They were not listed on the map, so they didn't get a flood
:24:25. > :24:29.warning. I don't know if they got a warning. No they didn't. They
:24:29. > :24:34.weren't on a flood map. Since then they now are. Certainly in that
:24:34. > :24:41.area, many properties will have received a flood warning. What are
:24:41. > :24:46.those properties doing this in the first place? That, at the end of
:24:46. > :24:50.the day, the development is decided through the planning process. It's
:24:50. > :24:53.up to the local authority to decide whether or not developments goes
:24:53. > :24:59.ahead. The Environment Agency advise - it's the Welsh Government
:24:59. > :25:03.that draws up the rules. The minister in charge is John
:25:03. > :25:08.Griffiths. It's a disastrous policy to build on flood plains, why don't
:25:08. > :25:13.you stop it? We have a policy in place which does effectively stop
:25:13. > :25:19.development on flood plains. Do you know why Ceredigion was so badly
:25:19. > :25:22.flooded? It was an extreme weather event. Do you know about Professor
:25:22. > :25:26.Mark Macklynis and advises your Government? I spoke to local
:25:26. > :25:29.people... And told us that it's largely the flooding that took
:25:29. > :25:34.place on that flood plain was as a result of the development that had
:25:34. > :25:38.happened there? I spoke to local people who were aged over 80 years
:25:38. > :25:41.of age, who told me that they've never experienced flooding as they
:25:41. > :25:46.did this year, even though they'd lived in local communities affected
:25:46. > :25:50.for all of their lives. Are you aware of a letter that Carwyn Jones
:25:50. > :25:56.wrote when he was sitting in your chair as environment minister in
:25:56. > :26:01.2006? It was to the Environment Agency. In effect, it told them to
:26:01. > :26:06.ease off. I'm not aware of a letter that in effect told the Environment
:26:06. > :26:11.Agency to ease off. I am aware of a letter that clarified the role of
:26:11. > :26:14.the Environment Agency in terms of its statutory... He says "I would
:26:14. > :26:20.only expect the agency to object where it is appropriate to do in a
:26:20. > :26:26.flood management terms, rather than a matter of principle." What's that,
:26:26. > :26:29.if it's not telling them to ease off? I'm very cautious about
:26:29. > :26:32.selective quotations from long letters, may I say. It's not that
:26:32. > :26:39.long a letter. That's a selective quotation. There's much else in the
:26:39. > :26:43.letter as well. It's important that the Environment Agency as a
:26:43. > :26:46.statutory consultee full tills its responsibilities appropriately.
:26:46. > :26:52.Where that needs to be clarified by Welsh Government, it's important
:26:52. > :26:58.that happens. In Talybont the flood survivors meet regularly. Here,
:26:58. > :27:03.they're talking about insurance. now pay �140 a month. My insurance
:27:03. > :27:07.has gone up by �1200 a year because of this event. The insurance
:27:07. > :27:11.industry has an arrangement with the Government to cover high risk
:27:11. > :27:16.areas. That's under review. In 12 months' time I believe the
:27:16. > :27:22.statement of principles comes to an end. What that will mean for all
:27:22. > :27:25.our insurance beyond that 12 months, I don't know. After next year, when
:27:25. > :27:31.the insurance guarantee goes, Wales is going to be one of the first
:27:31. > :27:37.countries to suffer from blue lining in the UK. The only way for
:27:37. > :27:42.some of them to get flood insurance after that time may be to go to a
:27:42. > :27:47.betting shop. Because insurers regard the risk as so serious it's
:27:48. > :27:51.no longer insurance, it's a gamble. It's four months since the
:27:51. > :27:57.Ceredigion flooding and of the people we met, only Mike is back
:27:57. > :28:01.home. Today, we seem to be getting more and more floods, in parts of
:28:01. > :28:05.the country that have never been previously affected. The truth is
:28:05. > :28:11.that for more and more of us, this could be an all too familiar scene.
:28:11. > :28:16.I do come up on a daily basis to check. It's going to take a little
:28:16. > :28:20.time. I don't know when we'll be moving in.