I thoroughly enjoyed Refuge, although I wouldn't have minded slightly less detailed info about the guns
I did find it a little odd that England just before the catastrophe (2016ish? Can't remember off hand
) ) seemed to bear a marked resemblance to an earlier England (definitely 1970s, and probably earlier, although I wasn't around then), but not so much that it was jarring. And it did help suggest why some of the survivors at least were behaving how they did.
I could see how that comunity had survived for so long without a communal backbone though - they had a leader who told them what to do. They had enough will and common sense to flock to some-one who seemed to be in control, but beyond that... Without him around, they were helpless, as witnessed by most of them not wanting to do anything against the incomers after he'd been taken prisoner. And there is also a subsection of the populace, certainly in England, who seem to believe that most teens are the spawn of satan, and only out to cause harm and chaos, but who are too scared of what will happen to them to do anything about it.
The hospital and football ground scenes were the ones that really helped me visualaise how England was - largely because I have a better recollection of them than some of the other places mentioned!
I almost thought that Richard Herley was going to pull a "Jacob's Ladder"
ending at the end - I'm rather glad he didn't as I felt the main character deserved better than that