# Homeowner exposed to flooding and insurance pressure

NZ Election 2026 · Edition 7 · Voter situations · 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/7#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/7/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/7/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/7/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/7/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 | 15 | 16 |
| Labour | 13 | 16 |
| Greens | 14 | 16 |
| ACT | 13 | 16 |
| NZ First | 10 | 16 |
| Te Pāti Māori | 6 | 16 |
| TOP | 11 | 16 |

## Party names across this voter’s topics

Compare the parties named in answers about this voter’s main concerns. The table compares 16 answers from each edition.

The coloured bars show whether statements about a party were positive, neutral, negative or mixed. 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 | 1 | 20 | 5 | 2 |
| Climate and disaster resilience | Labour | 4 | 4 | 6 | 17 | 3 | 2 |
| Climate and disaster resilience | Greens | 4 | 4 | 5 | 19 | 5 | 2 |
| Climate and disaster resilience | ACT | 3 | 4 | 0 | 15 | 4 | 0 |
| Climate and disaster resilience | NZ First | 2 | 4 | 0 | 10 | 2 | 3 |
| Climate and disaster resilience | Te Pāti Māori | 1 | 4 | 0 | 8 | 2 | 1 |
| Climate and disaster resilience | TOP | 4 | 4 | 8 | 15 | 1 | 1 |

| Topic | Party | Answers naming the party | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Infrastructure and local services | National | 4 | 4 | 0 | 24 | 2 | 1 |
| Infrastructure and local services | Labour | 4 | 4 | 0 | 18 | 2 | 1 |
| Infrastructure and local services | Greens | 4 | 4 | 3 | 12 | 1 | 0 |
| Infrastructure and local services | ACT | 4 | 4 | 0 | 16 | 3 | 0 |
| Infrastructure and local services | NZ First | 4 | 4 | 0 | 16 | 2 | 0 |
| Infrastructure and local services | Te Pāti Māori | 3 | 4 | 0 | 11 | 1 | 0 |
| Infrastructure and local services | TOP | 2 | 4 | 1 | 10 | 0 | 1 |

| Topic | Party | Answers naming the party | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Housing | National | 4 | 4 | 2 | 15 | 0 | 1 |
| Housing | Labour | 2 | 4 | 2 | 2 | 0 | 0 |
| Housing | Greens | 3 | 4 | 1 | 7 | 0 | 0 |
| Housing | ACT | 3 | 4 | 0 | 8 | 0 | 0 |
| Housing | NZ First | 2 | 4 | 1 | 2 | 0 | 0 |
| Housing | Te Pāti Māori | 0 | 4 | 0 | 0 | 0 | 0 |
| Housing | TOP | 3 | 4 | 1 | 4 | 0 | 0 |

| Topic | Party | Answers naming the party | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tax and public spending | National | 3 | 4 | 2 | 10 | 4 | 1 |
| Tax and public spending | Labour | 3 | 4 | 3 | 10 | 5 | 1 |
| Tax and public spending | Greens | 3 | 4 | 7 | 2 | 0 | 0 |
| Tax and public spending | ACT | 3 | 4 | 2 | 12 | 4 | 1 |
| Tax and public spending | NZ First | 2 | 4 | 3 | 4 | 3 | 0 |
| Tax and public spending | Te Pāti Māori | 2 | 4 | 1 | 6 | 5 | 1 |
| Tax and public spending | TOP | 2 | 4 | 7 | 4 | 0 | 0 |

## How Gemini’s answer changed

The flood-exposed homeowner’s answer introduced a Natural Hazards Commission building-cover claim. The earlier answer had concentrated on risk information, buyouts and sharing costs.

The answer needed to explain that the Commission’s flood cover applies to certain residential land. Cover for flood damage to buildings depends on private insurance.

Gemini: “*What legislative steps will you take to clarify who pays—the homeowner, the local council, or central government”

[Read the answer](https://nzbrands.ai/research/nz-election-2026/editions/6/questions/3dc81d43-a3b2-4bb8-97b4-535ada8f3eab.md) · Answer ID: c0908c64-8c18-468e-9ec9-8ced5877c34c

Gemini: “* **The Natural Hazards Commission (NHC / Toka Tū Ake):** New Zealand’s statutory disaster insurer provides baseline cover for land damage and up to $300,000 (+GST) for residential buildings, funded via levies on private insurance.”

[Read the answer](https://nzbrands.ai/research/nz-election-2026/editions/7/questions/3dc81d43-a3b2-4bb8-97b4-535ada8f3eab.md) · Answer ID: 26a45c3c-2166-4d5f-b45f-6149a17a2527

## Websites cited in these answers

Compare the websites cited in answers for this voter situation. Choose a topic to see its sources.

### ChatGPT

| Website | Answers with this website recorded |
| --- | --- |
| climatecommission.govt.nz | 3 |
| environment.govt.nz | 3 |
| sciencemediacentre.co.nz | 3 |
| whichparty.nz | 3 |
| ncwnz.org.nz | 2 |
| odt.co.nz | 2 |
| opportunity.org.nz | 2 |
| treasury.govt.nz | 2 |
| beehive.govt.nz | 1 |
| govt.nz | 1 |

### Gemini

| Website | Answers with this website recorded |
| --- | --- |
| wgtn.ac.nz | 2 |
| aainsurance.co.nz | 1 |
| forestandbird.org.nz | 1 |
| lapp.org.nz | 1 |
| waikatoregion.govt.nz | 1 |
| wolfbrook.co.nz | 1 |

### Google AI Mode

| Website | Answers with this website recorded |
| --- | --- |
| rnz.co.nz | 4 |
| greens.org.nz | 1 |
| icnz.org.nz | 1 |
| nzherald.co.nz | 1 |
| policy.nz | 1 |

### AI Overviews

| Website | Answers with this website recorded |
| --- | --- |
| rnz.co.nz | 4 |
| facebook.com | 3 |
| scoop.co.nz | 3 |
| interest.co.nz | 2 |
| lawnews.nz | 2 |
| minterellison.co.nz | 2 |
| national.org.nz | 2 |
| policy.nz | 2 |
| climateactiontracker.org | 1 |
| deepsouthchallenge.co.nz | 1 |

Each website counts once per answer. The comparison covers 16 answers from each edition; 15 of this edition’s answers included citations. Other includes websites we have not yet classified.

[Previous: Voter who wants plain explanations](https://nzbrands.ai/research/nz-election-2026/editions/7/voters/s22)