floods in the uk

WE HAVE GONE FROM THE FLOODS OF HULL TO THE FLOODS OF THE SOUTH, WE HAVE BEEN TOLD THAT BUILDING HOUSES IS THE ONLY WAY TO SOLVE OUR HOUSING SHORTAGE, AND THAT SEEMS THE SENSIBLE IDEA, SO WHY ARE WE BUILDING THESE HOUSES ON FLOOD PLAINS.
iF THESE HOUSES ARE IN KNOWN FLOOD AREA'S HOW ARE THEY GETTING PERMISSION TO BUILD THERE, AS THE INSURANCE COMPANIES WOULD HAVE SOME INPUT FOR THE LIABILITY.
AND IF ITS IN A FLOOD PLAIN, THEN THE HOUSES WOULD BE UNINSUREABLE, AND THERFORE THE MORTGAGE COMPANIES WOULD NOT GIVE OUT VAST SUMS TO PROPERTY BUYERS WITH OUT INSURANCE.
ME THINKS SOME ONE IS TAKING A BACK HANDER SOMEWERE ALONG THE LINE, SORRY I AM NOT ALLOWED TO SAY THAT, SOMEONE IS TAKING A GOLDEN HANDSHAKE