# Homeowner exposed to flooding and insurance pressure

NZ Election 2026 · Edition 4 · Voter profiles · 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.

[Back to the study](https://nzbrands.ai/research/nz-election-2026/editions/4#situations)

| Measure | Value |
| --- | --- |
| questions written for them | 4 |
| answers collected | 16 |
| AI assistants | 4 |
| asked nationally | NZ |

## 4 questions, each written as this voter would ask it

### 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?

[Read the captured answers](https://nzbrands.ai/research/nz-election-2026/editions/4/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?

[Read the captured answers](https://nzbrands.ai/research/nz-election-2026/editions/4/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?

[Read the captured answers](https://nzbrands.ai/research/nz-election-2026/editions/4/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?

[Read the captured answers](https://nzbrands.ai/research/nz-election-2026/editions/4/questions/1c313728-61ee-49d6-b617-3ac7d762c1ca.md)

## Which parties AI put in front of this voter

Of the 16 answers this voter received, 9 left out at least one of the six parties in Parliament. Te Pāti Māori was named least often, in 8 of 16.

| Party | Answers | Total |
| --- | --- | --- |
| National | 16 | 16 |
| Labour | 16 | 16 |
| Greens | 16 | 16 |
| ACT | 15 | 16 |
| NZ First | 11 | 16 |
| Te Pāti Māori | 8 | 16 |
| Opportunity | 10 | 16 |

## What AI said about each party on this voter's issues

Each row is one of this voter's issues. Each column is a party. The number shows how often the party came up in the answers to this voter. The coloured line under it shows whether what the AI said about the party was positive, neutral or negative.

Toggle assistants on or off to compare them, and click any number to see more detail about the responses.

| Topic | Party | Recommended or named answers | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Climate and disaster resilience | National | 4 | 4 | 0 | 22 | 4 | 2 |
| Climate and disaster resilience | Labour | 4 | 4 | 3 | 17 | 1 | 1 |
| Climate and disaster resilience | Greens | 4 | 4 | 3 | 19 | 0 | 0 |
| Climate and disaster resilience | ACT | 4 | 4 | 0 | 21 | 0 | 1 |
| Climate and disaster resilience | NZ First | 2 | 4 | 0 | 9 | 0 | 0 |
| Climate and disaster resilience | Te Pāti Māori | 3 | 4 | 0 | 6 | 0 | 0 |
| Climate and disaster resilience | Opportunity | 3 | 4 | 4 | 11 | 0 | 0 |

| Topic | Party | Recommended or named answers | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Infrastructure and local services | National | 4 | 4 | 1 | 7 | 1 | 2 |
| Infrastructure and local services | Labour | 4 | 4 | 0 | 12 | 1 | 1 |
| Infrastructure and local services | Greens | 4 | 4 | 5 | 7 | 0 | 1 |
| Infrastructure and local services | ACT | 4 | 4 | 1 | 8 | 0 | 0 |
| Infrastructure and local services | NZ First | 3 | 4 | 2 | 3 | 0 | 2 |
| Infrastructure and local services | Te Pāti Māori | 2 | 4 | 0 | 2 | 0 | 0 |
| Infrastructure and local services | Opportunity | 1 | 4 | 0 | 3 | 0 | 0 |

| Topic | Party | Recommended or named answers | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Housing | National | 4 | 4 | 4 | 12 | 3 | 0 |
| Housing | Labour | 4 | 4 | 3 | 10 | 0 | 1 |
| Housing | Greens | 4 | 4 | 6 | 5 | 0 | 1 |
| Housing | ACT | 3 | 4 | 1 | 8 | 0 | 0 |
| Housing | NZ First | 2 | 4 | 1 | 4 | 0 | 0 |
| Housing | Te Pāti Māori | 0 | 4 | 0 | 0 | 0 | 0 |
| Housing | Opportunity | 4 | 4 | 5 | 12 | 1 | 0 |

| Topic | Party | Recommended or named answers | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tax and public spending | National | 4 | 4 | 4 | 12 | 5 | 1 |
| Tax and public spending | Labour | 4 | 4 | 4 | 9 | 3 | 3 |
| Tax and public spending | Greens | 4 | 4 | 4 | 10 | 1 | 0 |
| Tax and public spending | ACT | 4 | 4 | 3 | 14 | 5 | 0 |
| Tax and public spending | NZ First | 4 | 4 | 4 | 12 | 4 | 0 |
| Tax and public spending | Te Pāti Māori | 3 | 4 | 3 | 7 | 1 | 2 |
| Tax and public spending | Opportunity | 2 | 4 | 2 | 1 | 0 | 2 |

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

Opportunity and Te Pāti Māori enter a more grouped flood comparison

The refreshed answer groups National with ACT and Labour with Greens, drops NZ First, and adds specific Opportunity insurance/resilience claims plus a Te Pāti Māori land-health account. The earlier National adaptation-framework and separate funding accounts become broader bloc descriptions. It keeps useful questions about uninsurability, mortgage obligations and cost-sharing, but the named fund and framework are captured assertions rather than verified commitments or guaranteed compensation.

Gemini: “* **Flood Protection & Infrastructure:** National points to its **National Adaptation Framework**, which emphasizes identifying risk first, building where protection is cost-effective, and requiring high-risk councils/communities to plan.”

[Read the answer](https://nzbrands.ai/research/nz-election-2026/editions/3/questions/3dc81d43-a3b2-4bb8-97b4-535ada8f3eab.md) · Answer ID: 0eb1b189-c0a7-4d81-be3a-338a6a8a003b

Gemini: “They propose a **National Insurance Support Framework**, an expanded role for the Natural Hazards Commission (NHC) to handle risk conversations, mandatory climate-risk disclosures on property titles and mortgages, and a dedicated **$5 billion climate resilience fund** to help communities adapt before disaster strikes.”

[Read the answer](https://nzbrands.ai/research/nz-election-2026/editions/4/questions/3dc81d43-a3b2-4bb8-97b4-535ada8f3eab.md) · Answer ID: 1bcc23ea-a3b2-47fa-8ac2-6135e07bbb6e

## Where the answers to this voter came from

The websites each assistant drew on when it answered this voter, and what kind of publisher they are. Pick an issue to see the websites for that question.

### ChatGPT

| Website | Answers with this website recorded |
| --- | --- |
| greens.org.nz | 4 |
| environment.govt.nz | 3 |
| labour.org.nz | 3 |
| national.org.nz | 3 |
| climatecommission.govt.nz | 2 |
| interest.co.nz | 2 |
| opportunity.org.nz | 2 |
| reuters.com | 2 |
| treasury.govt.nz | 2 |
| act.org.nz | 1 |

### Gemini

| Website | Answers with this website recorded |
| --- | --- |
| insurancebusinessmag.com | 2 |
| environment.govt.nz | 1 |
| minterellison.co.nz | 1 |
| nzvotecheck.com | 1 |
| odt.co.nz | 1 |
| whichparty.nz | 1 |

### Google AI Mode

| Website | Answers with this website recorded |
| --- | --- |
| reidbasher.substack.com | 3 |
| rnz.co.nz | 3 |
| whichparty.nz | 2 |
| ecan.govt.nz | 1 |
| insurancebusinessmag.com | 1 |
| nzherald.co.nz | 1 |
| policy.nz | 1 |
| resilientrivers.nz | 1 |
| tewaihanga.govt.nz | 1 |

### AI Overviews

| Website | Answers with this website recorded |
| --- | --- |
| rnz.co.nz | 4 |
| lawnews.nz | 3 |
| environment.govt.nz | 2 |
| greens.org.nz | 2 |
| minterellison.co.nz | 2 |
| naturalhazards.govt.nz | 2 |
| policy.nz | 2 |
| wgtn.ac.nz | 2 |
| whichparty.nz | 2 |
| bellgully.com | 1 |

A website counts once per answer, however many times the answer used it. Counts come from the sources recorded with each answer: 15 of this voter's 16 answers have at least one. Publisher shares count website-and-answer associations; they are separate from answer counts.

[Previous: Voter who wants plain explanations](https://nzbrands.ai/research/nz-election-2026/editions/4/voters/s22)