An insurance company has suggested that communities in Cumbria aren't doing enough to protect themselves from flooding.
Zurich's report into the storms in December says river levels are likely to continue rising so communities shouldn't rely on the authorities and instead install their own flood protection.
But Keswick's Flood Action Group says communities are already doing a lot.
The report takes issue with terms like a 'one in a hundred years flood'.
Instead, it urges authorities and property owners to be aware that no flood defence cannot be over-topped and to have a better 'Plan B' when they do.
Stephen Curtis of Bramblewood Cottage Guest House in Keswick applied for a £5,000 grant to install flood protection in his home and business.
The report says not enough people did this.
The Environment Agency says that by 2080, river levels could rise by up to 70% from what they were a hundred years before.
More can always be done but this community says they're doing all they can.