# Homeowner exposed to flooding and insurance pressure

NZ Election 2026 · Edition 5 · 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/5#situations)

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

## What this voter asked

### Question 119: 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/5/questions/3dc81d43-a3b2-4bb8-97b4-535ada8f3eab.md)

### Question 120: 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/5/questions/43ee9abc-8c1d-41d6-9f02-8f27aa14474b.md)

### Question 121: 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/5/questions/84a1a660-b778-496a-bd27-3ee33d920f07.md)

### Question 122: 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/5/questions/1c313728-61ee-49d6-b617-3ac7d762c1ca.md)

## Which parties appeared in the answers

The figures count names in the 16 answers recorded for this situation. Naming a party does not mean recommending it.

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

## Party names across this voter’s topics

Each row is one of this voter's topics. Each column is a party. The figure shows how often the party was named in the answers.

This table shows the answers recorded on 23 October. The coloured bars summarise how statements about each party were assessed; select a figure to read the extracts.

| Topic | Party | Answers naming the party | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Climate and disaster resilience | National | 4 | 4 | 5 | 23 | 3 | 0 |
| Climate and disaster resilience | Labour | 4 | 4 | 1 | 28 | 2 | 0 |
| Climate and disaster resilience | Greens | 4 | 4 | 3 | 29 | 0 | 0 |
| Climate and disaster resilience | ACT | 4 | 4 | 1 | 22 | 1 | 1 |
| Climate and disaster resilience | NZ First | 4 | 4 | 3 | 18 | 3 | 0 |
| Climate and disaster resilience | Te Pāti Māori | 3 | 4 | 3 | 13 | 0 | 1 |
| Climate and disaster resilience | TOP | 3 | 4 | 0 | 15 | 0 | 0 |

| Topic | Party | Answers naming the party | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Infrastructure and local services | National | 4 | 4 | 1 | 18 | 7 | 1 |
| Infrastructure and local services | Labour | 4 | 4 | 1 | 18 | 2 | 0 |
| Infrastructure and local services | Greens | 4 | 4 | 7 | 10 | 0 | 0 |
| Infrastructure and local services | ACT | 2 | 4 | 0 | 11 | 1 | 0 |
| Infrastructure and local services | NZ First | 2 | 4 | 2 | 4 | 0 | 0 |
| Infrastructure and local services | Te Pāti Māori | 1 | 4 | 0 | 1 | 0 | 0 |
| Infrastructure and local services | TOP | 2 | 4 | 3 | 3 | 1 | 0 |

| Topic | Party | Answers naming the party | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Housing | National | 4 | 4 | 0 | 10 | 1 | 0 |
| Housing | Labour | 3 | 4 | 2 | 9 | 0 | 0 |
| Housing | Greens | 4 | 4 | 1 | 11 | 0 | 0 |
| Housing | ACT | 1 | 4 | 0 | 6 | 0 | 0 |
| Housing | NZ First | 2 | 4 | 0 | 8 | 0 | 0 |
| Housing | Te Pāti Māori | 1 | 4 | 0 | 3 | 0 | 0 |
| Housing | TOP | 4 | 4 | 2 | 15 | 0 | 1 |

| Topic | Party | Answers naming the party | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tax and public spending | National | 4 | 4 | 2 | 13 | 3 | 1 |
| Tax and public spending | Labour | 4 | 4 | 4 | 12 | 6 | 1 |
| Tax and public spending | Greens | 4 | 4 | 4 | 12 | 4 | 1 |
| Tax and public spending | ACT | 4 | 4 | 1 | 11 | 2 | 1 |
| Tax and public spending | NZ First | 3 | 4 | 3 | 10 | 3 | 1 |
| Tax and public spending | Te Pāti Māori | 3 | 4 | 3 | 11 | 4 | 1 |
| Tax and public spending | TOP | 2 | 4 | 0 | 5 | 0 | 0 |

## How the main answer changed

The flood-risk answer retained an insurance-support proposal attributed to The Opportunity Party and gave NZ First a separate infrastructure discussion. Te Pāti Māori's earlier section disappeared.

Its questions about premiums, protection costs and relocation remained relevant. The answer did not establish a right to compensation or continued insurance cover.

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

Gemini: “NZ First and The Opportunity Party (Other Perspectives)”

[Read the answer](https://nzbrands.ai/research/nz-election-2026/editions/5/questions/3dc81d43-a3b2-4bb8-97b4-535ada8f3eab.md) · Answer ID: 338cd82b-ef39-4e9f-b66f-f84990598eea

## The sources behind these answers

The websites recorded with each assistant’s answers for this voter. Choose a topic to see its sources.

### ChatGPT

| Website | Answers with this website recorded |
| --- | --- |
| treasury.govt.nz | 4 |
| environment.govt.nz | 3 |
| interest.co.nz | 3 |
| beehive.govt.nz | 2 |
| climatecommission.govt.nz | 2 |
| icnz.org.nz | 2 |
| national.org.nz | 2 |
| odt.co.nz | 2 |
| reuters.com | 2 |
| climateclub.nz | 1 |

### Gemini

| Website | Answers with this website recorded |
| --- | --- |
| ao.parliament.nz | 1 |
| businessnz.org.nz | 1 |
| growregions.govt.nz | 1 |
| insurancebusinessmag.com | 1 |
| policy.nz | 1 |
| whichparty.nz | 1 |
| wolfbrook.co.nz | 1 |

### Google AI Mode

| Website | Answers with this website recorded |
| --- | --- |
| rnz.co.nz | 3 |
| insurancebusinessmag.com | 2 |
| policy.nz | 2 |
| environment.govt.nz | 1 |
| farmersweekly.co.nz | 1 |
| greenpeace.org | 1 |
| greens.org.nz | 1 |
| scoop.co.nz | 1 |
| whichparty.nz | 1 |
| youtube.com | 1 |

### AI Overviews

| Website | Answers with this website recorded |
| --- | --- |
| rnz.co.nz | 4 |
| whichparty.nz | 4 |
| greens.org.nz | 3 |
| insurancebusinessmag.com | 3 |
| environment.govt.nz | 2 |
| facebook.com | 2 |
| lawnews.nz | 2 |
| minterellison.co.nz | 2 |
| preventionweb.net | 2 |
| aa.co.nz | 1 |

Sources count once per answer. Source lists were recorded for 16 of this voter’s 16 answers. Visible links are counted separately. Other websites include unclassified publishers.

[Previous: Voter who wants plain explanations](https://nzbrands.ai/research/nz-election-2026/editions/5/voters/s22)