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Millions of UK homes at risk of sinking due to climate change

Created at 11 Jun · 5:05 AM1 source↑ Market-relevant
IN SHORT

Millions of homes in London, Essex, and Kent face subsidence risk as hotter, drier summers linked to climate change cause ground shrinkage. Projections indicate up to 1.8 million properties could be affected by 2070 under current emissions trajectories.

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Key Numbers

£153msubsidence-related insurance claims in H1 2025
500,000properties affected by 2070 (low emissions scenario)
1.8mproperties affected by 2070 (medium emissions scenario)
26%properties in London affected by 2070 (medium emissions scenario)

Who's Involved

British Geological Survey (BGS)
conducted analysis on climate-related subsidence risk
Anna Harrison
scientist at BGS, explained shrink-swell subsidence factors

↳ Why This Matters

The increasing risk of property subsidence due to climate change poses a significant financial threat to homeowners, potentially reducing property values and impacting mortgage availability, while also necessitating costly mitigation measures.

Key facts

  • Millions of homes in London, Essex, and Kent are at risk of climate-related subsidence.
  • Hotter, drier summers due to global heating cause ground shrinkage, impacting property foundations.
  • By 2070, up to 1.8 million properties could be affected under a medium emissions scenario.
  • Subsidence can lead to significant property value reduction and mortgage refusal.
  • The British Geological Survey (BGS) conducted the analysis combining geotechnical data with climate projections.

Millions of homes across London, Essex, and Kent are at risk of sinking due to climate change-induced ground subsidence, according to an analysis by the British Geological Survey (BGS).

As hotter and drier summers become more frequent due to global heating, the ground beneath properties can shrink, causing foundations to drag down. Scientists have identified London and its surrounding areas, as well as a stretch from Oxford to England's east coast, as particularly vulnerable.

Anna Harrison, a BGS scientist, stated that combining geotechnical data with projected rainfall and temperature scenarios for the next century highlights areas susceptible to shrink-swell subsidence. She noted that London faces a "double whammy" of being highly susceptible and experiencing significant changes in rainfall and temperature, compounded by a high density of buildings.

Subsidence can substantially decrease a property's value, potentially leading lenders to refuse mortgages. Visible signs include diagonal cracks around windows and doors, and sloping floors, often requiring costly engineering work for stabilization. Utility pipes may need replacement, and trees and vegetation might need removal.

Projections indicate that by 2070, approximately 500,000 properties could be affected under a low emissions scenario aligned with the Paris Agreement. This number rises to over 1.8 million properties under a medium emissions scenario, reflecting current global emission trajectories. Highly populated areas within London, such as Camden, Islington, and Barnet, are identified as most at risk, with over 26% of the capital's properties potentially affected by 2070 under the medium scenario.

Frequently asked questions

Shrink-swell subsidence occurs when the ground beneath a property shrinks due to dry conditions and expands when moisture returns, causing movement that can drag down foundations.

The most vulnerable areas include London, Essex, Kent, and a swathe of land from Oxford up to the Wash on England's east coast.

Subsidence can substantially reduce a property's value, and lenders may refuse to offer mortgages until the issue is resolved.

Under a medium emissions scenario, over 1.8 million properties could be affected by 2070, with over 26% of London properties at risk.

What Happens Next

01Mitigation measures will be needed to address the growing risk of subsidence.
02Future projections indicate continued increases in hotter, drier summers and warmer, wetter winters.

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Cadence

How It Developed

The British Geological Survey (BGS) identified millions of UK homes at risk from climate-related subsidence.
Hotter, drier summers driven by global heating cause ground shrinkage, dragging down property foundations.
London, Essex, Kent, and a swathe from Oxford to the Wash are identified as most vulnerable areas.
Scientists project increased movement in property foundations due to future changes in moisture.
Subsidence can reduce property value and lead lenders to refuse mortgages.
In 2025, the UK experienced its warmest spring on record and driest in over 50 years.
Subsidence-related insurance claims totaled £153m in the first six months of 2025.
By 2070, 500,000 properties could be affected under a low emissions scenario.

Sources

T1
Millions of homes in London, Essex and Kent at risk of sinking as climate crisis worsensThe Guardian

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