The Met Office issued two of its most serious red weather warnings – danger to life – for the North West and Yorkshire.
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In some areas water reached the lower windows of houses and shops, and in others cars had been abandoned after narrow country roads had turned into fast-flowing streams.
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Mohammad Khan, general insurance leader at PWC, said: “After Saturday’s torrential rain, and with rare “danger to life” warnings issued, the economic damage to the United Kingdom could be significant”.
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Met Office warnings of further rainfall are in place for northern England, Scotland and Wales.
A yellow warning of rain was issued for parts of north Wales, northern England and southern Scotland.
Environment Secretary Liz Truss told the BBC that the amount of rain had been “unprecedented”.
Lisa Pallister, 36, made a decision to leave her home in York with her family as flood waters rose.
The force said earlier it had run out of “road closed” signs, writing on Twitter: “Several calls from people that have driven into flood water, we have run out of ROAD CLOSED signs, don’t enter flood water, avoid flooded roads”.
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Over 6,000 homes in Greater Manchester and Lancashire were also without electricity due to flood damage.
The BBC said its forecaster Alex Deakin predicted the heavy rain would move south after midnight, finally giviing the north a reprieve. It occurred right next to the river Irwell, which has burst its banks.
In Whalley on the burst banks of the River Calder some residents were evacuated by rescue boats as water levels continued to rise.
A lack of available sandbags was a cause of concern as the emergency services and the army worked tirelessly at the scene.
North and West Yorkshire, where the Pennine towns of Mytholmroyd, Hebden Bridge and Todmorden were badly hit, could see similar levels.
Eric Brotherton, who lives in Ribchester, is among the residents battling against the elements.
Police are advising people to keep an eye on the weather forecast and road conditions before they travel.
Some towns were effectively cut off after all major routes out were closed.
She was yesterday stuck in her home without electricity after floodwaters started rising up through the floorboards.
The 31-year-old man, who does not wish to be named, said: “We are surrounded by water”.
“We have teams ready to access the affected substations as soon as it is safe to do so, to restore supplies as soon as possible”.
He added: “If rain continues to fall in large quantities, and the areas with warnings in place do indeed flood significantly, it could well be that the total economic losses could breach £1.5bn with an additional significant increase in insurer losses from our initial estimate”.
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Assistant Chief Constable Angela Williams, said: “The flooding situation we have experienced in West Yorkshire is quite simply the worst we have seen in 70 years, according to our partners in the Environment Agency”.
