Coastal Erosion

We also found that the system is failing people from the very start—from the moment they buy their home. Coastal erosion is not consistently disclosed in property transactions, despite the fact that the data exists and is publicly available. Madam Deputy Speaker, if my home were about to fall into the sea, I could sell it to you legally today, with no duty to tell you about the risks. That cannot be right, and it certainly should not be legal. Our report therefore recommends that coastal erosion be treated as material information in conveyancing. As for insurance, there is simply no equivalent to Flood Re for coastal erosion. That leaves families exposed and unsupported. If we can make schemes like Flood Re work —which it does—we should be exploring how we can do the same for properties facing erosion risk.

At present, the coastal erosion assistance grant provides £6,000 towards demolition costs for homes that need demolishing because of the coastal erosion threat. That amount has not increased since 2010, and demolition now costs around £35,000, and often more. This winter in my constituency of Suffolk Coastal, the cost reached as high as £50,000. On top of that, eligibility for the fund is restricted to those who bought their home before 2009. In Thorpeness, residents who bought after that date face the prospect of paying for the privilege of demolishing their own home. The council stepped in, because it could see that that was plainly wrong, but that cut-off is arbitrary, out of date and unfair. The Committee’s report makes it clear that this fund must be reviewed.

I welcome the Government’s recent funding announcement for coastal communities. It is a step in the right direction, but short-term funding is not the same as a long-term plan. There is no national strategy for what happens when people lose their homes; families are often left to navigate this alone, or have to rely on already-stretched local housing systems and are forced away from jobs, schools and support networks. We have seen pilots that show what can be achieved, such as the coastal transition accelerator programme; however, those programmes are time-limited. We cannot keep piloting solutions without ever embedding them. Our report calls for a long-term national strategy for relocation and financial support, one that builds on what we already know and gives communities certainty about their future.

We also need to stop creating future problems through the planning system. Shoreline management plans provide a long-term view of coastal change, but they are not consistently used in local planning decisions, meaning that development is still being approved in areas that we know may not be protected in the future. That is not sustainable, and it is not fair on future residents, so we are recommending that those plans be properly embedded into the planning system. Finally, we must address how we fund coastal protection and how we value our coastline. Too often, the system does not capture the true value of coastal communities—their economies, their heritage, their role in our national infrastructure, and the real human cost when things go wrong. In Suffolk Coastal, our coastline is our economic powerhouse, driving energy, tourism, and of course our port. However, we do not place economic capital on it, or value it sufficiently.

Underlying all of this is a simple question that people ask me time and again: “Why does support so often fail to reach us?” Our Committee’s report sets out practical, achievable steps to change that—to recognise the human cost, fix what is not working, and put in place a more joined-up, longer-term plan. Coastal communities deserve more than sympathy; they deserve action, support and long-term funding. The Committee has listened; we have pulled together our report, and we are now asking the Government to do the same. I commend this report to the House.