Half of Finns unsure how to respond when homes flood

Only 52 percent of Finns said they would know how to act if water entered their home or basement, according to LähiTapiola's Arjen Katsaus survey of 1,024 adults conducted 20–27 February 2026.

The insurer warns that urban stormwater floods from heavy rain are becoming more frequent and harder to predict. It found that just 44 percent of respondents in the Helsinki capital region would know what to do, below the national average. LähiTapiola has paid more than €13 million in flood claims over the past decade, with nearly 70 percent of that total settled between 2021 and 2025. Recent August floods in Pohjanmaa and Pirkanmaa illustrate how quickly sudden downpours can cause extensive damage.

The survey's results follow Tampere logging fewer than 100 damage reports after an intense July downpour according to city figures, and a separate city survey that showed many residents lack a recommended 72‑hour emergency supply raising preparedness concerns in Tampere.

"Climate change increases heavy rainfall and stormwater flooding, which makes preparedness for homes, municipalities and businesses more important," said Suvi Järvinen, LähiTapiola's climate and environment expert. She said many Finns still view flooding as a riverside problem, even though short, intense storms can overwhelm urban drainage systems and send water into streets and basements within minutes.

A recent thesis commissioned by the Elinvoimakeskus climate unit found current stormwater design guidelines do not fully reflect the intensified heavy-rain risks of a changing climate. Elinvoimakeskus climate expert Tuukka Rautio said municipalities need updated, consistent information on design practices so built environments can better cope with increased rainfall.

Prioritise safety. The insurer and experts urge practical preparedness: prioritise personal safety, leave buildings early if escape routes remain safe and call 112 if you cannot reach safety. Avoid entering flooded spaces where there is an electrical hazard; cut power at the main switch only when it is safe to do so. Report damage promptly to building managers and insurers, photograph damage and begin drying and repairs once professionals deem it safe. For step-by-step guidance they point to the Flood Centre's advice on actions during different flood phases.