Flood risk by area
Pick a postcode district, a council or a region to see how much of it sits in a flood zone or at risk of surface water flooding, then check your own postcode for the exact answer.
Largest council areas
Will your address flood, and can you get it insured and mortgaged?
Enter an English postcode and see free of charge its flood zone and the risk bands for rivers, the sea and surface water. What the numbers mean, which past floods were recorded around the property, which warning areas cover it and what to ask your insurer, surveyor and solicitor is in the report for that one point.
A flood is the most expensive thing that can happen to a home, and a flood zone or a surface water flow path can change the insurance terms, the mortgage offer and the resale price. The report gathers the Environment Agency data for your address before you commit; it is not a substitute for a flood search from your conveyancer.
- The flood zone and all three risk maps at your point: rivers and sea, surface water, with the annual chance in plain figures and a map of the ground around it
- Every recorded past flood and the flood warning areas that cover the address, with dates, sources and causes where the Environment Agency has them
- What it means for insurance, a mortgage and the building itself: Flood Re, questions for the surveyor and practical flood resilience measures, as a PDF you can share
England only. The short answer is free.
🔒 Card or PayPal via Mollie · download straight after payment, emailed as well · no subscription
Source: Environment Agency under the Open Government Licence · not a substitute for a flood search