A climate change group has warned that more homes are being built on areas at risk from flooding.
The Committee on Climate Change group said that each year in England over the past decade, between 12,000 and 16,000 homes were built in areas at risk.
But the committee warned that climate change could see the country battered with more extreme weather - such as floods, heatwaves and droughts.
It said that when decisions are taken on issues such as planning and water supplies, risks are not being fully considered, with the country close to its limit for coping in these areas.
The claim from the committee that climate change could tip the scales may be enough to have homeowners digging out their home insurance policies.
The adaptation sub-committee's chairman, Lord John Krebs, said some of the building in areas at risk of flooding would be offset by measures to protect homes from flooding.
However, the report warned that building in such locations could see communities committed to meeting the costs of flood defences in the long term.
© Press Association 2011