narrato but for st resides in highisk floodreas, insurance is unaffordable. so the british government has introdud a subsided scheme called fld re. i's funded by a small levy on all british homeowne. but on i own, inrance is t enough. surminski: flood re is really a temporary stop gap measure t give ose in higrisk flood areas the assurance that there will be flood insurance available for them, but it doesn't really address the fact that going forward this might be a very unsustainable approach or the whole of the cotry. narrator: an acute housing shortage in the uk means that new homes are being built in flood risk areas. and with increased flooding predicted by scientists due to climate change, the insurance burden will be even bigger. disasters are also on the increase in the developing world. man:ach year dasters disace tensf millions o people. they cause over $520 billion worth of economic losses. they plunge an additional 26 million people into poverty every year. so these are enormous impacts. narrator: on november 8, 2013, typhoon haiyan hit tacloban i