Officially Dungeness (and the rest of the Romney Marsh) is liable to flood in the future. Quite when we know not but officially, for insurance purposes, we are in a 'Flood Risk Area' and being so should be paying high insurnace premiums. For the past few years the government has underwriten this risk (with insurance companies) out of the public purse. However all this comes to an end in the not to distant future which will mean sensible insurance companies will not wish to offer cover on properties (certainly not against flooding). I cannot see any government allowing the area to flood, whatever the cost of sea defences, as the nuclear power stations could not be exposed to such risk. Ergo the area will never flood so why all the fuss over insurance premiums being loaded for something that will not happen anyway!