Flood Risk Checker

Frequently asked questions

How is flood risk assessed?

This tool uses the Environment Agency's flood monitoring API, which tracks river, sea, and surface water flood areas across England. It checks for nearby flood zones and any active flood warnings or alerts within approximately 2km of your postcode.

Should I avoid buying in a flood risk area?

Not necessarily. Many flood risk areas have effective flood defences and have never experienced flooding. Consider the specific risk level, whether the property has flooded before, and the availability of insurance through the Flood Re scheme. A formal environmental search during conveyancing will give you the full picture.

Will flood risk affect my mortgage or insurance?

Some lenders may impose conditions or decline mortgages for high-risk properties. For insurance, the Flood Re scheme (available until 2039) ensures most residential properties can get affordable flood cover. Properties built after 2009 are not eligible for Flood Re.

What is the difference between a flood warning and a flood alert?

A flood alert means flooding is possible and you should be prepared. A flood warning means flooding is expected and you should act. A severe flood warning means there is danger to life. These are issued by the Environment Agency based on real-time monitoring.