Housing and Planning Bill

My Lords, perhaps I may respond briefly to that last comment. I do not think that Amendment 120 in any sense precludes building on a flood plain. It simply asks—and provides a possible answer—to the question of who should bear the liability if somebody buys a house that has just been built in a flood-risk area and that house floods. While it might be true that, in the noble Lord’s particular area, there has not been a flood since 1947, that does not mean to say that there will not be a flood next year. The people who bought homes that were built recently in those areas should have some form of protection. That is what the amendment is trying to provide.