A survey has revealed wide concern that New Zealand’s flood protection measures and efforts to avoid building in high-risk areas are "falling short”.

The study, commissioned by the Insurance Council of New Zealand, found 87% of respondents favour early action to protect against flooding, landslips and sea level rise.

And more than two-thirds accept insurance premiums may need to rise as natural disasters become more serious and frequent. 

“Kiwis overwhelmingly agree it’s better to act before disaster strikes to protect communities, rather than pick up the pieces afterwards. It’s a no-brainer really,” ICNZ CEO Kris Faafoi said.

But 44% of respondents believe New Zealand is not investing enough to protect communities from natural hazards, and 39% disagree that there are strong land use controls. 

Modelling by Earth Sciences shows cyclones could bring up to 35% more rainfall to New Zealand by the end of the century.

Mr Faafoi says the survey results underline the need for greater certainty around land use rules, to reduce exposure to natural hazards.

“Acting now means we can avoid the far higher costs of future disasters and supports the long-term accessibility of insurance,” he said.

“New Zealand’s land use decisions must change ... there is urgency in turning intent into action to deliver enduring solutions that reduce risk.”