Greenpeace has released a study saying that nearly 10,000 new homes are to be built on flood zones ... nobody official is denying it and nobody seems to want to stop them. It's madness, but I have an idea.
Insurances get together and produce maps where they will not provide flood insurance to new builds. Solicitors and estate agents are forced to put a disclaimer / warning on such properties IN BOLD, WITH A HUGE TYPEFACE, AND UNDERLINED and then mortgage lenders refuse mortgages for such properties.
If stupids still want to buy such places then they sort out any future flood problems.
We do not need changes to laws or planning permissions if we act together and just apply a bit of common sense.