---
title: "Homeowner exposed to flooding and insurance pressure"
publisher: "Onsomble Limited"
publication: "NZBrands.ai"
edition: 1
collected_on: "2026-10-05"
html_url: "https://nzbrands.ai/research/nz-election-2026/editions/1/voters/s23/"
---

# Homeowner exposed to flooding and insurance pressure

Edition 1 · answers collected 5 October 2026.

[Read on NZBrands.ai](https://nzbrands.ai/research/nz-election-2026/editions/1/voters/s23/)

We own a mortgaged home in an area affected by flooding. Insurance affordability, protection works and what happens after another flood are major concerns for us.

This is a designed voter situation, not a representative sample or a finding about everyone in that group.

## What they asked

### PF119 · Climate and disaster resilience

We own a mortgaged home in an area affected by flooding. Insurance affordability, protection works and what happens after another flood are major concerns for us. I am considering my vote in the 2026 New Zealand general election. How do parties compare on flood protection, climate adaptation and helping households after disasters?

Study-assigned priority: Major. This is a design assumption, not a measured preference. Reason: Flood exposure is the defining constraint.

[Read the captured answers (Markdown)](https://nzbrands.ai/research/nz-election-2026/editions/1/questions/3dc81d43-a3b2-4bb8-97b4-535ada8f3eab.md)

### PF120 · Infrastructure and local services

We own a mortgaged home in an area affected by flooding. Insurance affordability, protection works and what happens after another flood are major concerns for us. I am considering my vote in the 2026 New Zealand general election. Who would pay for flood defences under different party plans: homeowners, councils or central government?

Study-assigned priority: Major. This is a design assumption, not a measured preference. Reason: Protection works involve local and national funding.

[Read the captured answers (Markdown)](https://nzbrands.ai/research/nz-election-2026/editions/1/questions/43ee9abc-8c1d-41d6-9f02-8f27aa14474b.md)

### PF121 · Housing

We own a mortgaged home in an area affected by flooding. Insurance affordability, protection works and what happens after another flood are major concerns for us. I am considering my vote in the 2026 New Zealand general election. What do parties propose for homeowners whose property becomes difficult to insure or unsafe to live in?

Study-assigned priority: Major. This is a design assumption, not a measured preference. Reason: The home's long-term viability affects financial security.

[Read the captured answers (Markdown)](https://nzbrands.ai/research/nz-election-2026/editions/1/questions/84a1a660-b778-496a-bd27-3ee33d920f07.md)

### PF122 · Tax and public spending

We own a mortgaged home in an area affected by flooding. Insurance affordability, protection works and what happens after another flood are major concerns for us. I am considering my vote in the 2026 New Zealand general election. What are the trade-offs in how parties would fund climate adaptation and disaster recovery?

Study-assigned priority: Secondary. This is a design assumption, not a measured preference. Reason: Funding choices redistribute adaptation costs.

[Read the captured answers (Markdown)](https://nzbrands.ai/research/nz-election-2026/editions/1/questions/1c313728-61ee-49d6-b617-3ac7d762c1ca.md)

## Which parties AI put in front of this voter

Of the 16 answers this voter received, 13 left out at least one of the six parties in Parliament. Te Pāti Māori was named least often, in 4 of 16.

| Party | Answers naming party | Answers collected |
| --- | --- | --- |
| National | 14 | 16 |
| Labour | 14 | 16 |
| Greens | 13 | 16 |
| ACT | 15 | 16 |
| NZ First | 12 | 16 |
| Te Pāti Māori | 4 | 16 |
| Opportunity | 9 | 16 |

## Issue by issue

## Climate and disaster resilience

| Party | Answers naming party | Answers on issue | Share | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| National | 4 | 4 | 100.0% | 4 | 26 | 2 | 1 |
| Labour | 4 | 4 | 100.0% | 8 | 21 | 2 | 1 |
| Greens | 4 | 4 | 100.0% | 11 | 15 | 1 | 1 |
| ACT | 4 | 4 | 100.0% | 1 | 30 | 1 | 0 |
| NZ First | 3 | 4 | 75.0% | 4 | 11 | 2 | 1 |
| Te Pāti Māori | 0 | 4 | 0.0% | 0 | 0 | 0 | 0 |
| Opportunity | 1 | 4 | 25.0% | 4 | 1 | 0 | 0 |

## Infrastructure and local services

| Party | Answers naming party | Answers on issue | Share | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| National | 4 | 4 | 100.0% | 0 | 17 | 1 | 1 |
| Labour | 4 | 4 | 100.0% | 1 | 10 | 1 | 0 |
| Greens | 3 | 4 | 75.0% | 3 | 7 | 0 | 0 |
| ACT | 4 | 4 | 100.0% | 1 | 8 | 1 | 0 |
| NZ First | 3 | 4 | 75.0% | 0 | 7 | 0 | 0 |
| Te Pāti Māori | 2 | 4 | 50.0% | 0 | 4 | 0 | 0 |
| Opportunity | 2 | 4 | 50.0% | 0 | 3 | 0 | 0 |

## Housing

| Party | Answers naming party | Answers on issue | Share | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| National | 3 | 4 | 75.0% | 2 | 15 | 3 | 0 |
| Labour | 3 | 4 | 75.0% | 4 | 10 | 2 | 1 |
| Greens | 3 | 4 | 75.0% | 4 | 12 | 0 | 0 |
| ACT | 4 | 4 | 100.0% | 1 | 11 | 2 | 0 |
| NZ First | 3 | 4 | 75.0% | 2 | 9 | 2 | 0 |
| Te Pāti Māori | 1 | 4 | 25.0% | 1 | 0 | 0 | 0 |
| Opportunity | 2 | 4 | 50.0% | 1 | 4 | 0 | 0 |

## Tax and public spending

| Party | Answers naming party | Answers on issue | Share | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| National | 3 | 4 | 75.0% | 2 | 6 | 2 | 3 |
| Labour | 3 | 4 | 75.0% | 3 | 7 | 0 | 4 |
| Greens | 3 | 4 | 75.0% | 3 | 8 | 0 | 3 |
| ACT | 3 | 4 | 75.0% | 2 | 6 | 2 | 4 |
| NZ First | 3 | 4 | 75.0% | 0 | 9 | 1 | 2 |
| Te Pāti Māori | 1 | 4 | 25.0% | 1 | 3 | 0 | 0 |
| Opportunity | 4 | 4 | 100.0% | 4 | 9 | 0 | 1 |

## How the assistants handled this voter’s main question

PF119 ChatGPT breaks the flood-exposed household's problem into protection funding, insurance, occupation risk and immediate recovery. That is a useful separation of prevention, ongoing affordability and what happens after an event. It also asks for a region before offering a local comparison, recognising a material missing fact.

Gemini and AI Mode lean toward a description of government philosophies and ask whether the household is more concerned about staying or relocation. AI Overviews gives a policy table covering protection, adaptation and who pays. Those frames can make options legible, but they must not imply that a household can choose a guaranteed protection or buyout entitlement simply by choosing a party.

Insurance availability depends on more than election commitments. The scenario's housing, infrastructure and tax questions preserve that complexity. It should be paired with the geographically specific Hawke's Bay case R04 to see what local facts add, while recognising that the two prompts are not an experiment isolating geography.

ChatGPT

> For a flood-prone homeowner with a mortgage, I’d separate the election question into four practical tests: (1) who pays for flood-protection works, (2) whether your home remains insurable and affordable to insure, (3) what happens if the property becomes too risky to occupy, and (4) what help exists immediately after another flood.

[Full captured answer](https://nzbrands.ai/research/nz-election-2026/editions/1/questions/3dc81d43-a3b2-4bb8-97b4-535ada8f3eab.md)

Gemini

> For homeowners living in flood-prone areas with a mortgage, the interplay between insurance availability, hard protection works, and post-disaster recovery is one of the most pressing structural challenges in New Zealand policy. As the general election approaches, political parties approach these issues through distinct philosophical lenses regarding government intervention, fiscal responsibility, and property rights.

[Full captured answer](https://nzbrands.ai/research/nz-election-2026/editions/1/questions/3dc81d43-a3b2-4bb8-97b4-535ada8f3eab.md)

Google AI Mode

> Major political parties in New Zealand approach flood protection, climate adaptation, and disaster recovery through distinct ideological lenses, balancing infrastructure investment, local government support, and property rights differently.

[Full captured answer](https://nzbrands.ai/research/nz-election-2026/editions/1/questions/3dc81d43-a3b2-4bb8-97b4-535ada8f3eab.md)

Google AI Overviews

> As a mortgaged homeowner in a flood-prone area, your primary concerns regarding flood protection , climate adaptation , and disaster assistance sit at the center of the _2026 New Zealand general election_ debate. Parties differ heavily on who should pay for protection works, how strictly councils should regulate at-risk land, and the timeline for introducing a legal framework for managed retreat.

[Full captured answer](https://nzbrands.ai/research/nz-election-2026/editions/1/questions/3dc81d43-a3b2-4bb8-97b4-535ada8f3eab.md)

## Sources recorded against the answers

## ChatGPT

| Answers collected | Answers with sources recorded | Answers showing a link |
| --- | --- | --- |
| 4 | 4 | 4 |

| Website | Answers with this website recorded |
| --- | --- |
| treasury.govt.nz | 4 |
| act.org.nz | 3 |
| greens.org.nz | 3 |
| national.org.nz | 3 |
| beehive.govt.nz | 2 |
| environment.govt.nz | 2 |
| labour.org.nz | 2 |
| nzfirst.nz | 2 |
| odt.co.nz | 2 |
| sciencemediacentre.co.nz | 2 |

Publisher counts sum recorded website/answer associations; one answer can contribute to several websites and publisher types.

| Publisher type | Recorded associations |
| --- | --- |
| Party websites | 14 |
| Government | 14 |
| News | 3 |
| Comparison sites | 0 |
| Advocacy groups | 0 |
| Businesses | 0 |
| Social media | 0 |
| Other | 2 |

## Gemini

| Answers collected | Answers with sources recorded | Answers showing a link |
| --- | --- | --- |
| 4 | 4 | 0 |

| Website | Answers with this website recorded |
| --- | --- |
| insurancebusinessmag.com | 2 |
| eds.org.nz | 1 |
| en.wikipedia.org | 1 |
| environment.govt.nz | 1 |
| opportunity.org.nz | 1 |
| selectcommittees.parliament.nz | 1 |

Publisher counts sum recorded website/answer associations; one answer can contribute to several websites and publisher types.

| Publisher type | Recorded associations |
| --- | --- |
| Party websites | 1 |
| Government | 2 |
| News | 2 |
| Comparison sites | 0 |
| Advocacy groups | 0 |
| Businesses | 0 |
| Social media | 0 |
| Other | 2 |

## Google AI Mode

| Answers collected | Answers with sources recorded | Answers showing a link |
| --- | --- | --- |
| 4 | 4 | 0 |

| Website | Answers with this website recorded |
| --- | --- |
| rnz.co.nz | 3 |
| environment.govt.nz | 2 |
| scoop.co.nz | 2 |
| national.org.nz | 1 |
| nzflood.com | 1 |
| phcc.org.nz | 1 |
| sciencedirect.com | 1 |
| sustainablefinance.nz | 1 |
| whichparty.nz | 1 |

Publisher counts sum recorded website/answer associations; one answer can contribute to several websites and publisher types.

| Publisher type | Recorded associations |
| --- | --- |
| Party websites | 1 |
| Government | 2 |
| News | 5 |
| Comparison sites | 1 |
| Advocacy groups | 1 |
| Businesses | 1 |
| Social media | 0 |
| Other | 2 |

## Google AI Overviews

| Answers collected | Answers with sources recorded | Answers showing a link |
| --- | --- | --- |
| 4 | 4 | 0 |

| Website | Answers with this website recorded |
| --- | --- |
| rnz.co.nz | 4 |
| whichparty.nz | 4 |
| scoop.co.nz | 3 |
| greens.org.nz | 2 |
| national.org.nz | 2 |
| nzherald.co.nz | 2 |
| stories.theconversation.com | 2 |
| business.scoop.co.nz | 1 |
| community.scoop.co.nz | 1 |
| deloitte.com | 1 |

Publisher counts sum recorded website/answer associations; one answer can contribute to several websites and publisher types.

| Publisher type | Recorded associations |
| --- | --- |
| Party websites | 4 |
| Government | 1 |
| News | 15 |
| Comparison sites | 4 |
| Advocacy groups | 1 |
| Businesses | 1 |
| Social media | 1 |
| Other | 5 |

## What this can and cannot tell you

One set of answers, from made-up voters, on one day.

Each question was asked once. AI assistants vary their answers, so a repeat run would differ in wording and detail. The location comparison shows that answers differed; proving that location caused the difference would need repeat runs and verified access locations.

The voters are designed situations, not a sample of New Zealanders. The study shows what the assistants said and lets anyone check it. It does not show whether anyone changed their vote, or why the assistants answered as they did.

We read all 32 voting-guidance answers and the case-study questions in full, and checked 17 statements. We have not read all 815 answers in full or checked every policy claim.

[Read the complete methodology](https://nzbrands.ai/research/nz-election-2026/editions/1/method.md)

## Publication and corrections

Published and funded by Onsomble Limited. NZBrands.ai takes no view on any party or policy.

[Independence](https://nzbrands.ai/about/independence/) · [Corrections](https://nzbrands.ai/about/corrections/) · [Contact](https://nzbrands.ai/about/contact/)