Voter S23 · one of 32 voter situations
Homeowner exposed to flooding and insurance pressure
“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.”
- questions written for them
- 4
- answers collected
- 16
- AI assistants
- 4
- asked nationally
- NZ
What this voter asked
Open a question to read each assistant's complete answer, including any answer asked from a location.
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?
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?
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?
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?
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.
Answers naming each party, out of 16
National16 of 16 answers
Labour16 of 16 answers
Greens16 of 16 answers
ACT14 of 16 answers
NZ First12 of 16 answers
Te Pāti Māori4 of 16 answers
TOP10 of 16 answers
ChatGPT
1 of 4 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
Gemini
2 of 4 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
Google AI Mode
0 of 4 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori (never named)
AI Overviews
1 of 4 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
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 26 October. The coloured bars summarise how statements about each party were assessed; select a figure to read the extracts.
Showing all four assistants · 16 answers
| Topic | National | Labour | Greens | ACT | NZ First | Te Pāti Māori | TOP |
|---|---|---|---|---|---|---|---|
| Climate and disaster resilience | |||||||
| Infrastructure and local services | |||||||
| Housing | |||||||
| Tax and public spending |
How the main answer changed
The flood-risk answer described The Opportunity Party through a broader resilience fund, replacing the earlier specific insurance-support scheme. NZ First’s separate section disappeared.
It still discussed sharing risk and moving away from exposed locations, without establishing insurance cover, compensation or funded protection for this household.
The extracts compare the main Gemini answer on 23 and 26 October. Each opens the original answer from its own date. Other assistants' complete answers are available above.
- 23 October 2026 · Earlier answerGemini“NZ First and The Opportunity Party (Other Perspectives)”Open in the answer
- 26 October 2026 · Later answerGemini“The Opportunity Party (TOP): Proposes dedicated structural funding, such as a multi-billion-dollar Climate Resilience Fund split between community-based engineering and nature-based buffers (like wetlands and urban greening) to future-proof landscapes.”Open in the answer
The sources behind these answers
The websites recorded with each assistant’s answers for this voter. Choose a topic to see its sources.
ChatGPT
37%government
Had sources4of 4
Showed you a link4of 4
- 1
treasury.govt.nz, government,cited in 4 answers4 - 2
environment.govt.nz, government,cited in 3 answers3 - 3greens.org.nz, party websites,cited in 3 answers3
- 4
interest.co.nz, other,cited in 3 answers3 - 5national.org.nz, party websites,cited in 3 answers3
- 6labour.org.nz, party websites,cited in 2 answers2
- 7
naturalhazards.govt.nz, government,cited in 2 answers2 - 8
odt.co.nz, other,cited in 2 answers2 - 9
sciencemediacentre.co.nz, other,cited in 2 answers2 - 10
1news.co.nz, news,cited in 1 answers1
Gemini
38%comparison sites
Had sources4of 4
Showed you a link0of 4
- 1
whichparty.nz, comparison sites,cited in 2 answers2 - 2
dpmc.govt.nz, government,cited in 1 answers1 - 3
icnz.org.nz, other,cited in 1 answers1 - 4
insurancebusinessmag.com, other,cited in 1 answers1 - 5nzbrands.ai, other,cited in 1 answers1
- 6
policy.nz, comparison sites,cited in 1 answers1 - 7treasury.govt.nz, government,cited in 1 answers1
Google AI Mode
44%other
Had sources4of 4
Showed you a link1of 4
- 1nzbrands.ai, other,cited in 3 answers3
- 2
rnz.co.nz, news,cited in 3 answers3 - 3policy.nz, comparison sites,cited in 2 answers2
- 4state.co.nz, other,cited in 2 answers2
- 5
beehive.govt.nz, government,cited in 1 answers1 - 6greens.org.nz, party websites,cited in 1 answers1
- 7insurancebusinessmag.com, other,cited in 1 answers1
- 8naturalhazards.govt.nz, government,cited in 1 answers1
- 9reidbasher.substack.com, other,cited in 1 answers1
- 10
scoop.co.nz, other,cited in 1 answers1
AI Overviews
57%other
Had sources4of 4
Showed you a link0of 4
- 1rnz.co.nz, news,cited in 4 answers4
- 2wgtn.ac.nz, other,cited in 4 answers4
- 3greens.org.nz, party websites,cited in 3 answers3
- 4
lawnews.nz, other,cited in 3 answers3 - 5national.org.nz, party websites,cited in 3 answers3
- 6
theconversation.com, other,cited in 3 answers3 - 7whichparty.nz, comparison sites,cited in 3 answers3
- 8
business.scoop.co.nz, other,cited in 2 answers2 - 9
deepsouthchallenge.co.nz, other,cited in 2 answers2 - 10eds.org.nz, other,cited in 2 answers2
- Party websites
- Government
- News
- Comparison sites
- Advocacy groups
- Businesses
- Social media
- Other
Sources count once per answer. Citations were recorded in 16 of this voter’s 16 answers. Visible links are counted separately. Other includes websites we have not yet classified.