Home insurance in Caerphilly

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 Caerphilly compares with the rest of Wales on the public figures linked to home insurance claims.

At a glance

Caerphilly recorded 5.9 burglaries per 1,000 households (year ending March 2026), 48% higher than Wales (4.0). That is 4th highest of 20 council areas in Wales.

The local figures

Burglary

5.9 per 1,000 households

48% higher than Wales (4.0)

4th highest of 20

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

11.1 per 1,000 households

32% lower than Wales (16.4)

11th lowest of 22

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

0.0 per 1,000 households

100% lower than Wales (4.8)

6th lowest of 22

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

37.3 per 1,000 households

About the same as Wales (39.4)

11th highest of 22

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

£197,542

About the same as Wales (£215,037)

5th lowest of 22

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

8.4%

33% lower than Wales (12.5%)

7th lowest of 22

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.

Sources and method

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.