A licensee devastated by last summer's floods has seen his insurance excess go from £500 to £10,000.
Brian Taylor, managing director of Northamptonshire-based New Dawn Inns suffered £80,000 worth of damage to one of his pubs, The Woolpack, during the deluge last July.
When he received his renewal quote this year, it had leapt from £500 to £10,000 or 25 per cent of the value of any repair work carried out - whichever is greater.
Brian said: "We have looked around and talked to other companies, but keep getting the same answers back. And I can't be the only one this has happened to. It seems as if everything is against pubs at the moment."
The news follows a stark warning from MPs that Britain is ill-prepared for a repeat of last year's floods.
A parliamentary committee said the country's river flood defences were "chaotic" and large parts of Britain were vulnerable to flooding.
Taylor added: "We are looking at possible solutions - sand bags and so on - but the river runs behind the pub and there is very little we can do. There needs to be greater recognition of the problem."