A scheme to help people in high flood risk areas to insure their homes marks its first anniversary today.
Flood Re was developed after insurers said they were no longer prepared to offer universal flood cover.
Much of Cumbria, and the south of Scotland, was devastated by flooding in the Winter of 2015/16.
Insurance companies say they'll work with sports clubs in Carlisle to try to provide cover after the floods.
Several clubs in Carlisle fear they may not be able to get any flood insurance in the future.
Carlisle Rugby and Squash clubs, and Chatsworth Tennis Club, were all badly flooded in December 2015, having previously been flooded ten years earlier.
2013 did not end well for thousands of homeowners and drivers according to the AA Insurance company.
The majority of home claims were for dislodged tiles or slates, broken windows, dislodged aerials and trees or branches brought down by high winds, as well as flooding.
The Christmas storms resulted in more 1,000 car rescues and 130 car claims. Some of the claims included damage from a flying trampoline and a roof box.
The AA says that a disproportionate number of the vehicles rescued were 4x4's, and that many people had ignored 'road closed' warnings.