English: 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?
Welsh: Gweinidog, mae llifogydd yn amlwg yn drychinebus iawn, ac wedi byw drwy'r llifogydd yn Nhywyn - a bydd deg mlynedd ar hugain wedi mynd heibio ers y rheini, ychydig yn ddiweddarach y mis hwn - gallaf dystio i'r effaith enfawr y maen nhw'n ei chael a'r etifeddiaeth barhaus y maen nhw'n eu cael ar unrhyw deuluoedd, cartrefi a busnesau sydd wedi cael eu heffeithio. Effeithiwyd ar bobl Llanfair Talhaearn, yn fy etholaeth i, gan lifogydd am y trydydd tro mewn wyth mlynedd, ac mae hynny er gwaethaf rhaglen o welliannau, sydd eisoes ar y gweill yn y pentref arbennig hwnnw. Ac, wrth gwrs, dros y penwythnos, gwelsom eiddo, nid yn unig yn Llanfair T. H., yn fy etholaeth i, ond hefyd yn Llangernyw, Llansannan ac ym Mae Colwyn a gafodd eu heffeithio gan lifogydd. Rwy'n credu ei bod yn bryder pan y dywedir wrthym ni bod eiddo'n cael ei warchod i safon unwaith mewn 75 mlynedd, sef yr hyn a ddywedwyd wrth bobl o ran Llanfair T. H., i ganfod eu hunain o dan ddŵr deirgwaith mewn wyth mlynedd. Ac rwy'n gwybod bod ail gam prosiect gwella i fod ar y gweill. Roedd i fod i gael ei drefnu, rwy'n credu, i ddechrau'r gwanwyn hwn, ond nid yw wedi dechrau mewn gwirionedd, a byddwn yn gofyn a oes bellach angen adolygiad cyflym o'r prosiect penodol hwnnw i wneud yn siŵr ei fod yn mynd i fod yn addas i'w ddiben. Yn ôl yr hyn a ddeallaf, roedd problem gyda chynnal a chadw'r gwaith o glirio Nant Barrog, a orlifodd gan achosi llifogydd yn y cartrefi hynny yn Llanfair T. H., ac rwy'n credu y bydd pobl yn edrych i weld pam na fu'r drefn cynnal a chadw honno'n ddigonol i'w diogelu y tro hwn. Nawr, yn amlwg, rydych chi eisoes wedi cyfeirio at y ffaith y bydd ymchwiliadau'n cael eu cynnal gan yr awdurdod lleol ac, yn wir, Cyfoeth Naturiol Cymru, ond ar ôl gweld llifogydd y llynedd ym mis Ebrill ym Mhensarn, yn fy etholaeth i, rydym ni eto i weld copi o adroddiad yr ymchwiliad a ddeilliodd o'r digwyddiad penodol hwnnw. Felly, am ba hyd y bydd yn rhaid i bobl aros cyn iddyn nhw ddeall pam mae'r llifogydd wedi digwydd a pha un a oedd mesurau lliniaru y gellid bod wedi eu cymryd cyn y llifogydd hyn? Rydych chi eisoes wedi cael eich holi am y cynllun cymorth ariannol brys. Rwy'n sylwi bod Llywodraeth y DU, yn Lloegr, wedi sicrhau bod cyllid Bellwin ar gael i awdurdodau lleol y mae storm Ciara wedi effeithio arnyn nhw yn y fan honno. A gaf i ofyn i chi sbarduno'r cynllun cymorth ariannol brys, yn enwedig i Gonwy, o gofio ei fod wedi dioddef dros y penwythnos y llifogydd gwaethaf ers llifogydd Tywyn ddeng mlynedd ar hugain yn ôl? Ac a gaf i hefyd ofyn, yn sgil hyn, pa drafodaethau y gallai Llywodraeth Cymru eu cael gyda Chymdeithas Yswirwyr Prydain er mwyn gwneud yn siŵr bod premiymau fforddiadwy ar waith? Nawr, rwy'n gwybod bod rhaglen ar gyfer y DU gyfan o'r enw Flood Re, sy'n ceisio gwneud y premiwm yswiriant yn fforddiadwy mewn ardaloedd lle ceir perygl o lifogydd, ond yn amlwg mae hwnnw'n dibynnu ar bartneriaeth rhwng Llywodraethau a'r diwydiant yswiriant a dealltwriaeth o'r buddsoddiad a allai gael ei wneud. Felly, hoffwn i wybod pa drafodaethau uniongyrchol yr ydych chi'n eu cael gyda nhw, oherwydd mae rhai pobl yn dweud wrthyf i eu bod nhw'n cael problemau o ran cael yswiriant fforddiadwy bellach, ac mae hynny'n bryder mawr iddyn nhw. Felly, a wnewch chi ryddhau buddsoddiad i gynorthwyo awdurdodau lleol drwy'r cynllun cymorth ariannol brys? Pa waith ydych chi'n ei wneud gyda Cyfoeth Naturiol Cymru i sicrhau bod eu gwaith modelu yn gywir ac nad yw'n anghywir, oherwydd dyna'r hyn yr ydym ni wedi ei weld yn ddiweddar? Ac a wnewch chi gael y trafodaethau hynny gyda Chymdeithas Yswirwyr Prydain i wneud yn siŵr bod yr adolygiadau a'r ymchwiliadau hyn sy'n cael eu cynnal nawr yn gyflym ac nad ydyn nhw'n cymryd gormod o amser?