Minister, flooding is obviously very devastating, and having lived through the Towyn floods—the anniversary of which will be the thirtieth anniversary, just later this month—I can testify to the huge impact that it has and the lasting legacy that it has on any families, homes and businesses that have been affected.

The people of Llanfair Talhaiarn, in my constituency, have been affected by flooding for the third time in eight years, and that's in spite of a programme of improvement, which is already under way in that particular village. And, of course, over the weekend, we saw properties, not just in Llanfair T. H., in my constituency, but also in Llangernyw, Llansannan and in Colwyn Bay affected by flooding. I think it is a concern when we are told that properties are protected to a one in 75-year standard, which is what people were told in respect of Llanfair T. H., to find themselves flooded three times in eight years.

And I know that phase 2 of an improvement project is supposed to be under way. It was supposed to be scheduled, I think, to start this spring, but hasn't actually started, and I would question whether there needs now to be a rapid review of that particular project to make sure that it is going to be fit for purpose. As I understand it, there was a problem with the maintenance of the clearing of the Nant Barrog, which overflowed and flooded those homes in Llanfair T. H., and I think people will be looking as to why that maintenance regime has been insufficient to protect them this time around.

Now, clearly, you've already alluded to the fact that there will be investigations undertaken by the local authority and indeed Natural Resources Wales, but having seen a flooding event last year in April take place in Pensarn, in my constituency, we're still yet to see a copy of the investigation report arising from that particular event. So, how long will people have to wait before they understand why the flooding has occurred and whether there was mitigation that could have been undertaken in advance of these flooding events?

You've already been questioned on the emergency financial assistance scheme. I note that, in England, the UK Government has made available the Bellwin funding for local authorities that have been affected there by storm Ciara. Can I ask that you trigger the emergency financial assistance scheme, particularly for Conwy, given that it's experienced over the weekend the worst flooding since the Towyn floods thirty years ago? And can I also ask, in the wake of this, what discussions the Welsh Government might have with the Association of British Insurers in order to make sure that there are affordable premiums in place? Now, I know that there's a UK-wide programme called Flood Re, which tries to make the insurance premium affordable in areas of flood risk, but clearly that's reliant on a partnership between Governments and the insurance industry and an understanding as to the investment that might take place. So, I would like to know what direct discussions you're having with them, because some people are telling me that they're having problems now accessing affordable insurance, and that is a great concern to them.

So, will you release investment to assist local authorities through the emergency financial assistance scheme? What work are you doing with NRW to make sure that their modelling is accurate and not inaccurate, because that's what we've seen recently? And will you have those discussions with the Association of British Insurers to make sure that these reviews and investigations that are now undertaken are rapid and don't take too long?