Contents Insurance Risk by Local Area
Quick answer: Based on Home Office CSP crime data for the financial year 2024/25 (April 2024–March 2025), the highest contents risk among 310 Community Safety Partnerships in England and Wales is 660.0 theft+robbery incidents per 1,000 residents (London, City of, Gera Contents Risk Score 10/10). The lowest is 13.3 per 1,000 (Broadland, GCRS 1/10). The England & Wales average is 50.3/1,000. Source: Home Office, published 23 April 2026, OGL v3.0.
Updated: 2026-06-20 · Source: Home Office CSP crime data, financial year 2024/25 (April 2024–March 2025) · GCRS methodology
Gera Contents Risk Score (GCRS/10)
Theft+robbery rate per 1,000 residents, ranked 1 (lowest) to 10 (highest) across 310 England & Wales local areas. Full methodology
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310 Community Safety Partnerships in England & Wales · financial year 2024/25 (April 2024–March 2025)
Highest contents risk areas (GCRS 8–10)
Ranked by theft+robbery rate per 1,000 residents, financial year 2024/25 (April 2024–March 2025).
| Area | Force | Theft+Robbery /1,000 | GCRS |
|---|---|---|---|
| London, City of | London, City of | 660.0 | 10/10 |
| Westminster | Metropolitan Police | 521.3 | 10/10 |
| Manchester Airport | Greater Manchester | 287.2 | 10/10 |
| Camden | Metropolitan Police | 214.3 | 10/10 |
| Kensington and Chelsea | Metropolitan Police | 159.0 | 10/10 |
| Islington | Metropolitan Police | 133.9 | 10/10 |
| Southwark | Metropolitan Police | 128.3 | 10/10 |
| Hackney | Metropolitan Police | 113.8 | 10/10 |
| Lambeth | Metropolitan Police | 109.6 | 10/10 |
| South Worcester | West Mercia | 107.8 | 10/10 |
Lowest contents risk areas (GCRS 1–2)
Ranked by theft+robbery rate per 1,000 residents, financial year 2024/25 (April 2024–March 2025).
| Area | Force | Theft+Robbery /1,000 | GCRS |
|---|---|---|---|
| Broadland | Norfolk | 13.3 | 1/10 |
| Derbyshire Dales | Derbyshire | 14.5 | 1/10 |
| North East Derbyshire | Derbyshire | 15.1 | 1/10 |
| North Norfolk | Norfolk | 16.7 | 1/10 |
| South Derbyshire | Derbyshire | 17.0 | 1/10 |
| Copeland | Cumbria | 17.5 | 1/10 |
| Suffolk Coastal | Suffolk | 17.6 | 1/10 |
| North Kesteven | Lincolnshire | 17.7 | 1/10 |
| Forest of Dean | Gloucestershire | 18.2 | 1/10 |
| Powys | Dyfed-Powys | 18.2 | 1/10 |
All 310 areas — alphabetical
Frequently asked questions
What is the Gera Contents Risk Score (GCRS)?
The GCRS (1–10) ranks England & Wales local areas by combined theft+robbery rate per 1,000 residents from Home Office data. GCRS 1 = lowest contents-insurance risk; GCRS 10 = highest. It is a context signal derived from official statistics (financial year 2024/25 (April 2024–March 2025)) and is not a premium quote.
Which area in England has the highest contents insurance risk?
Based on Home Office CSP crime data for the financial year 2024/25 (April 2024–March 2025), London, City of has the highest Gera Contents Risk Score (GCRS 10/10) with a theft+robbery rate of 660.0 per 1,000 residents. Its high rate largely reflects its dense visitor and commuter population relative to its small resident base.
How does home contents insurance risk vary by area in the UK?
Theft+robbery rates vary considerably across England and Wales, from as low as 13.3/1,000 in rural areas like Broadland to over 660.0/1,000 in dense city-centre areas. The England & Wales average is 50.3/1,000. Insurers use postcode-level crime data (and many other factors) when pricing premiums; GCRS gives a local-authority-level context signal.
Data source: Home Office — Police recorded crime by Community Safety Partnership (CSP) + ONS mid-2023 LA population. Published: 23 April 2026. Reference period: financial year 2024/25 (April 2024–March 2025).
Population: ONS mid-2023 local authority estimates.
Contains Home Office and ONS data © Crown copyright and database right 2026, licensed under the Open Government Licence v3.0. Statistics presented as neutral context only and must not be used to characterise or stigmatise any area or its residents.
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