Almost £600 million worth of coastal homes in England could be lost to the sea by 2100, according to a climate action group.
One Home identified 21 at-risk villages and hamlets and estimated how much coast could be lost there assuming that current policies on whether to defend, retreat or abandon sections of coastline are followed.
They used data from the Environment Agency’s National Coastal Erosion Risk Mapping (NCERM) dataset at 5% confidence, indicating a less than 5% chance of the coast being eroded further inland than the estimate.
The value of property damage, on the land that could be hit by coastal erosion by 2100, was estimated at £584 million using average local authority values or site-specific values from Rightmove, One Home said.
The group has compiled a map highlighting what shoreline management plans are in place in different areas of coast, and what the level of protection is.
Angela Terry, chief executive of One Home, said: “Sea levels are rising as global temperatures soar and so larger waves batter our coast during severe storms.
“These irreversible changes mean some cliff faces are crumbling fast.
“We can’t turn the tide or build a wall around the entire coast so we urgently need to help seaside communities to prepare for the damage that will come.
“Shoreline management plans are publicly available documents but most people are unaware of their existence.
“Many homeowners don’t know their properties are at risk or that decisions have been made about whether to protect them or not.
“SMPs are not statutory, so new developments can continue.
“Funding is not guaranteed so even where communities have been chosen to be saved, the money might not be there, giving people false hope that their home will be protected long term.
“Currently, for those homes at risk, there is no compensation scheme available.
“Owners might be asked to pay to demolish their homes while still paying their mortgage.”
More than a third of England’s coastline has a designation of “no active intervention”, One Home said, meaning that nothing will be done.
The other two levels of protection in SMPs are “hold the line”, meaning that defences will be maintained and upgraded if funding is found, and “managed realignment” which involves moving or allowing the shoreline to retreat in a managed way.
An Environment Agency spokesperson said: “We know the devastating impact that flooding and coastal change can have, which is why improving the resilience of people and communities is our top priority.
“From 2015 to 2021, we invested £1.2 billion to better protect around 200,000 homes from coastal erosion and sea flooding.
“However, climate change means that our coast is changing at an accelerated rate, meaning in some places we and coastal authorities will need to help local communities adapt and transition away from the current coastline.
“We are working closely with communities and local authorities to provide support and guidance, including through the Coastal Accelerator Transition Programme.
“Anyone living, visiting or working along the coast can already find out about coastal risk, current and planned coastal management by going on gov.uk.”
To see One Home’s map, visit: https://onehome.org.uk/campaign/campaigns/coast/interactive-map/