Before the Minister of State was appointed, his name was synonymous with communities fighting back against flooding. He has done stellar work in and out of politics on that. For many people in these areas, insurance is still impossible to get. The term "risk equalisation" is used when applying for health insurance. It means that all people of all ages pay a little bit of a premium so that risk is balanced across older and younger people. The same principle is now being applied by the insurance industry to homes. Be…