The building on flood plains is of course asking for trouble, howvever the real cause of this problem goes back to, and as a Tory, I'm ashamed to say, the privatisation of the water companies. Generally privitasation is good, however not for national utilites. Shaneystar has touched on the problem. The whole country had a network of various systems of rivers(dredged regularly), culverts, aquaducts pipes etc, who's job it was to deliver water to the reserviors. These have fallen into disrepair and are failing in their primary task. The effect of which is flooding and perversley drout! So we have water everywhere but we still issue hosepipe bans. The water companies primary function is now profit for shareholders so it is unlikely to change. Climate has it's ups and downs and there have always been floods but what is needed in a wet country like UK is effective systems of water distribution to run off areas and reserviors etc. So it's is ultimately a governementally caused problem.