Millions Of Vulnerable Households At Risk From Latest Cold Snap

January 8, 2026

Millions Of Vulnerable Households At Risk From Latest Cold Snap Featured Image

As temperatures drop below freezing and more snow is forecast across the UK, millions of vulnerable people face living in cold, damp homes, without light or heat to stay safe and warm, warns Fuel Bank Foundation.

The national fuel poverty charity says households with a prepayment meter are most at risk, as sudden cold spells require instant top-ups, exposing families to rapid cost increases. As a result, some households will be forced to choose between heating and other essentials.

Fuel Bank Foundation forecasts that during the main winter months, households using prepayment meters will pay around £265 more for their energy than those paying by direct debit. This disparity means that the very households least able to absorb higher costs are paying more to heat their homes during the most difficult and dangerous time of year.

This winter a quarter of a million people are expected to turn to Fuel Bank Foundation for help because they can’t afford to top up their prepayment meter.

“Cold weather isn’t just uncomfortable, it’s dangerous. For low incomes households, especially those using prepayment meters and those living off the gas grid who rely on unregulated fuels like heating oil to power heating, hot water and cooking appliances, this sudden drop in temperature creates immediate financial stress. If you can’t afford to top up, you can’t turn the heating on. That puts people’s health and lives at risk.”
Matt Cole, CEO Fuel Bank Foundation

Fuel poverty is closely linked to serious health outcomes, including respiratory and cardiovascular conditions, and disproportionately affects older people, disabled people, families with young children, and those with long-term illnesses.

According to Fuel Bank Foundation’s recent report, ‘Shining a light on the people living in fuel crisis’, 40 per cent of households it supports have children at home. However, the number of single-person households has been steadily rising, accounting for 38 per cent of households helped. Sixty-three per cent of people supported also have physical or mental health issues. The charity says the biggest risk is from households self-disconnecting or rationing heating to avoid running out of credit on their meter.

“Winter can be a difficult time for many people,” said Mr Cole. “The cold means we’re using our heating more, and shorter days mean the lights and appliances are on for longer too. All of this adds up, and it can feel overwhelming when energy bills start climbing. Cold snaps, such as the one we’re experiencing now, add further pressure on already fragile household finances.

“Sadly, impossible choices have to be made to ration the energy they can afford to use, like whether to turn the heating on to stay warm, cook a meal or have a hot bath/shower.”

Fuel Bank Foundation continues to call on the Government to take urgent action to address the systemic drivers of fuel poverty, including more targeted support for vulnerable households, simplifying the prepayment model, smoothing seasonal costs, pausing debt recovery during winter and reforming standing charges, and accelerate home retrofits to improve their energy efficiency.

“The interlinked nature of poverty cannot be understated, and we would like to see a focus on long-term prevention and outcomes instead of short-term solutions. We urge the Government to consider how to fund long-term programmes through future savings in other policy areas such as education, skills and health to provide the much-needed support to reduce fuel crisis in the UK.”
Matt Cole, CEO Fuel Bank Foundation

For those struggling with energy costs this winter, the charity urges them to seek support and advice, and encourages friends, neighbours and communities to check in on vulnerable people during periods of severe cold.