Home insurance in Wales
Insurers set home insurance prices using factors such as where you live, the rebuild cost, the value of your contents, your claims history and your security. (MoneyHelper) Here is how Wales compares on the public figures linked to home insurance claims.
At a glance
Wales recorded 4.0 burglaries per 1,000 households (year ending March 2026).
The local figures
Burglary
4.0 per 1,000 households
Burglaries recorded by the police. Theft is one of the main contents claims. Residential burglary recorded by the police, per 1,000 households (Census 2021). Recorded under the Home Office Counting Rules, so compare only with other areas in England and Wales.
year ending March 2026 · Home Office: Police recorded crime, Community Safety Partnership open data tables
Flood risk: rivers
16.4 per 1,000 households
Homes in areas assessed as at risk of flooding from rivers. Homes at high or medium risk (at least 1 in 100 a year) with defences, per 1,000 households (Census 2021). Rivers, the sea and surface water are counted separately and can't be added: a home at risk from two sources is in both. These are homes in areas at risk, not homes that will flood. The publishers say the assessment is not for judging individual properties, and the Environment Agency says it "was not developed or tested for insurance underwriting or setting insurance premiums".
2025 · Natural Resources Wales: Properties at risk of flooding in Wales, 2025 (StatsWales)
Flood risk: the sea
4.8 per 1,000 households
Homes in areas assessed as at risk of flooding from the sea. Homes at high or medium risk with defences; for the sea the medium band runs to 1 in 200 a year. Per 1,000 households (Census 2021). These are homes in areas at risk, not homes that will flood. The publishers say the assessment is not for judging individual properties, and the Environment Agency says it "was not developed or tested for insurance underwriting or setting insurance premiums".
2025 · Natural Resources Wales: Properties at risk of flooding in Wales, 2025 (StatsWales)
Flood risk: surface water and small watercourses
39.4 per 1,000 households
Homes in areas assessed as at risk of flooding from heavy rain that can't drain away. Homes at high or medium risk, per 1,000 households (Census 2021). These are homes in areas at risk, not homes that will flood. The publishers say the assessment is not for judging individual properties, and the Environment Agency says it "was not developed or tested for insurance underwriting or setting insurance premiums".
2025 · Natural Resources Wales: Properties at risk of flooding in Wales, 2025 (StatsWales)
Average house price
£215,037
Market value, not rebuild cost. Buildings insurance is based on what it would cost to rebuild, which can be very different. Mix-adjusted average price. Contains HM Land Registry data © Crown copyright and database right 2026, licensed under the Open Government Licence v3.0.
July 2026 · HM Land Registry: UK House Price Index, July 2026
Homes that are flats
12.5%
From the census. In a flat, buildings insurance is often arranged for the whole building rather than by each owner, so check who arranges yours.
Census 2021 · ONS: Census 2021, TS044 Accommodation type
What this means for your premium
These figures describe the area, not your home. Insurers use their own data and look at your property in far more detail than a council area, so two homes on the same street can be priced very differently. A higher local burglary rate or flood exposure doesn't mean your premium will be higher; it shows the kind of claims insurers in this area have to cover.
What you can control: your locks and alarm, an accurate rebuild cost for buildings cover, an honest value for your contents, and telling your insurer about anything that changes, such as building work or the home being left empty.
Our home insurance guide explains each factor.
Council areas in Wales
| Area | Burglary per 1,000 households | Flood risk: rivers per 1,000 households | Flood risk: the sea per 1,000 households | Flood risk: surface water and small watercourses per 1,000 households | Average house price £ | Homes that are flats % |
|---|---|---|---|---|---|---|
| Blaenau Gwent | 7.7 | 9.9 | 0.0 | 86.6 | £144,294 | 9.4% |
| Newport | 7.1 | 5.1 | 16.8 | 18.5 | £229,200 | 16.6% |
| Torfaen | 7.1 | 10.3 | 0.0 | 30.2 | £199,184 | 11.8% |
| Caerphilly | 5.9 | 11.1 | 0.0 | 37.3 | £197,542 | 8.4% |
| Wrexham | 4.7 | 8.9 | 0.0 | 28.0 | £212,778 | 11.4% |
| Cardiff | 4.6 | 8.2 | 0.6 | 7.5 | £272,252 | 26.5% |
| Pembrokeshire | 4.5 | 6.9 | 1.7 | 15.7 | £208,615 | 10.4% |
| Carmarthenshire | 4.3 | 18.8 | 9.7 | 41.2 | £199,025 | 6.9% |
| Monmouthshire | 4.2 | 9.1 | 22.0 | 11.1 | £335,093 | 10.3% |
| Denbighshire | 4.1 | 53.7 | 0.0 | 32.1 | £201,452 | 11.2% |
| Powys | 3.6 | 31.1 | 0.3 | 59.4 | £237,762 | 8.3% |
| Conwy | 3.5 | 52.9 | 3.3 | 31.6 | £217,829 | 17.7% |
| Flintshire | 3.4 | 15.2 | 2.5 | 41.7 | £215,892 | 6.8% |
| Gwynedd | 3.0 | 21.4 | 20.0 | 55.7 | £204,974 | 9.6% |
| Ceredigion | 2.8 | 21.7 | 3.4 | 39.9 | £235,160 | 11.3% |
| Swansea | 2.6 | 4.3 | 5.0 | 30.2 | £205,383 | 15.9% |
| Bridgend | 2.5 | 17.1 | 0.0 | 46.8 | £209,569 | 10.0% |
| Isle of Anglesey | 2.5 | 3.8 | 10.4 | 24.6 | £231,943 | 7.0% |
| Neath Port Talbot | 2.3 | 32.0 | 19.1 | 48.9 | £168,082 | 10.0% |
| Vale of Glamorgan | 2.3 | 4.5 | 0.1 | 29.7 | £303,112 | 14.9% |
| Merthyr Tydfil | n/a | 19.7 | 0.0 | 85.5 | £156,721 | 7.3% |
| Rhondda Cynon Taf | n/a | 19.8 | 0.0 | 100.9 | £164,192 | 8.3% |
Sources and method
- Home Office: Police recorded crime, Community Safety Partnership open data tables OGL v3.0
- Natural Resources Wales: Properties at risk of flooding in Wales, 2025 (StatsWales) OGL v3.0
- HM Land Registry: UK House Price Index, July 2026 OGL v3.0
- ONS: Census 2021, TS044 Accommodation type OGL v3.0
- MoneyHelper: Home insurance, how to get the best deal
Rates are worked out from the published counts and the area's population. Areas are council areas as defined by the Office for National Statistics. Boundaries: Office for National Statistics, licensed under the Open Government Licence v3.0. Contains OS data © Crown copyright and database right 2026. How we work.