Water Bill

I pay tribute to the hon. Gentleman for the work that he did on the flood insurance scheme. Does he agree that in areas such as mine, Hull, where 90% of the city is below sea level, home owners and home builders can do all they can, but we will always be at risk of flooding? That must be taken into account in any scheme, and I hope that the scheme that we end up with will not just disappear after the 25 years planned for Flood Re.