People in Cumbria need to take more responsibility for protecting their communities against flooding - and shouldn't rely solely on the government.
That's the finding of a new report from insurance giant Zurich.
Thousands of homes in Cumbria had to be evacuated following Storm Desmond last year - with many home owners still waiting to return to their properties.
Zurich say that no amount of government flood protection schemes can completely remove the risk of flooding - and that communities need to take their own precautions.
One of our region's sports clubs was today celebrating rising up after the devastation of last winter's flooding.
Carlisle Rugby Club played their first match at their home ground during a pre-season fund raising day after being forced to use other clubs last season.
The ground on Warwick Road was inundated by several feet of water last December.
Now the pitch is back ready for the start of the rugby season next weekend.
But the club is appealing for helpers to try to finish repairing facilities in the club house that are still uncompleted.
The club says there were delays in starting repairs works because of a wrangle with their insurers.
Residents of Glenridding and Patterdale faced a nervous 24 hours after torrential rain left river levels rising and ground saturated (SAT 20th AUG)
There were no reports of any properties or businesses flooding but the Patterdale Mountain Rescue Team put these images on their social media feeds last night to say they were glad flood defences were to be installed in the area behind their base later this week.
Thank you to the Patterdale Mountain Rescue Team for this video showing swollen rivers and streams as well as some minor flooding in and around Glenridding yesterday.
24 hours of heavy rain has left the ground saturated and there were tricky driving conditions too.
A flood warning has been issued for parts of Wigtownshire in Dumfries and Galloway.
The Scottish Environment Protection Agency has issued a warning for Outer Wigtown Bay, due to a combination of high tides and strong winds.
A specific warning is also issued for people living in Garlieston and the Isle of Whithorn.
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