Cumbria County Council, along with home insurance providers, have warned that more measures need to be taken to prepare to tackle floods in the future.
A report by the council talked of "readiness for the next time" amid predictions that the risk of future floods will become more pronounced in some areas.
However, the report highlighted the efficiency of the £38 million flood defences in place after Carlisle flooded in 2005, which saved an estimated £50 million worth of potential damage to homes and businesses in last year's deluge.
According to the report, while emergency plans following the floods were "robust", the sheer scale of the disaster surpassed forecasts.
The Environment Agency, which carried out emergency works to reinstate the level of flood protection before the floods in Keswick, is working on similar defences - due for completion soon - in Cockermouth.
Flood defences could improve the chances of houses at high flood risk areas secure home insurance more easily.
However, homeowners say making claims involves struggling with loss adjustors, and the issues have the potential to cause as much distress as the flooding itself.
Nick Starling, director of general insurance and health, Association of British Insurers, said: "Last November's floods were a tragic and traumatic event for Cumbria.
"No-one should under-estimate the misery and destruction that flooding brings.
"The Government needs to implement a long-term flood management strategy.
"Managing the flood threat better will reduce the risk of devastating floods, like those that hit Cumbria last year, from happening again."
© Press Association 2010