1. Summary
The answer in plain English, with the coordinate the report is based on and whether it came from the postcode or from a pin you placed.
Paid report, £14.95
Flood risk report for one address
The flood zone, the river, sea and surface water risk, past floods and warning areas for one point, in one PDF, with what they mean for insurance, a mortgage and the building. Written to be read by someone who is not a hydrologist.
A real example
See what you get before you pay
This is a real report for a postcode in Tewkesbury, with a flood zone, a recorded flood history and flood warning areas. Your own report has the same ten chapters for your point.
What is in it
Ten chapters, built from open Environment Agency data and queried live on the day you order.
2. Flood zone and what it means
Flood Zone 1, 2 or 3 at your point, the annual chance each zone stands for, and what the zone means when you buy, build or insure.
3. Risk from rivers and the sea
The risk band (High, Medium, Low or Very low) with its annual chance, and a note that this map takes flood defences into account.
4. Surface water risk
The band for water that runs off the ground and collects in low spots, which can differ from one plot to the next.
5. Past floods on record
Whether your point lies inside the Historic Flood Map, and every Recorded Flood Outline there, with date, source and cause where the Environment Agency has them.
6. The ground around the property
Whether Flood Zone 2 or 3 begins within 100, 250 or 500 metres in each of eight directions, with a map.
7. Flood warning areas and live warnings
The flood warning and alert areas near the property and any warnings that are active when the report is made.
8. Insurance, mortgage and the building
What the result can mean for cover and lending, how Flood Re works, and the questions to put to your insurer, surveyor and conveyancer.
9. Practical resilience steps
Sensible things to look at, from signing up for warnings to flood-resistant measures, and where to get proper advice.
10. What it does not cover, and sources
Which dataset each statement came from, when it was queried, and a plain list of what the report deliberately leaves out.
Free check or report?
What the free check shows and what the report adds
| Free check | Flood risk report (£14.95) | |
|---|---|---|
| Flood zone, river and sea band, surface water band | Yes, on screen | Yes, with the annual chance explained and what it means |
| Past floods on record | Count and the latest | Every recorded flood with date, source and cause |
| Flood zone close to the point | No | Eight directions out to 500 m, with a map |
| Maps of the surrounding ground | Interactive map | Printed flood zone and surface water maps |
| Warning areas and live warnings | The nearest three | Up to eight with distance and the water concerned |
| Insurance, mortgage and resilience guidance | No | Yes, with questions for insurer, surveyor and conveyancer |
| A document to keep and share | No | PDF, emailed and downloadable |
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
What it is not
It is not an official flood search. Those are ordered by a conveyancer as part of the legal work on a purchase. It is also not a survey, and it is not a flood risk assessment of a building. This report is a readable summary of open Environment Agency data for one point, and it answers the question that comes earlier: what do the official maps say about this address, and what should I ask next.
It also does not say that a property will or will not flood. A low risk is a chance, not a promise. The maps do not show groundwater flooding, reservoirs, sewer flooding, small local watercourses or future climate change. And if a source did not respond when we checked, we say so on screen and do not sell you the report, because it would be incomplete.
Questions
Frequently asked questions
What is in the report?
Ten chapters. A summary in plain English, your flood zone, the risk from rivers and the sea, surface water risk, past floods on record, the ground around the property with a map, flood warning areas and live warnings, what it can mean for insurance, a mortgage and the building, practical resilience steps, and finally the sources with a clear statement of what the report does not cover.
How is that different from the free check?
The free check gives the flood zone and the risk bands. The report adds the annual chance behind each band, the past floods recorded at the point, whether Flood Zone 2 or 3 begins within 100, 250 or 500 metres in eight directions, the warning areas that cover the property, and what it all means for insurance and buying. It is a document you can send to a surveyor, a conveyancer or a seller.
Is this an official flood search?
No. It is a readable summary of open Environment Agency data. A conveyancer orders the official searches on a purchase, and a surveyor assesses the building. The report also does not show groundwater flooding, reservoirs, sewer flooding, small local watercourses or future climate change.
How quickly do I get it?
The download link appears the moment your payment clears, and the PDF is emailed to you within a few minutes.
Do you sell a report for any postcode?
No. We only sell it for postcodes in England where the check could be completed. If a source did not respond we do not take your money, and we do not sell one where nothing is flagged at all, because it would add little to the free check. Wales, Scotland and Northern Ireland have their own flood maps.
Can I get a refund?
The report is delivered immediately, so you agree to that at checkout and give up the 14 day cancellation right for digital content. If the report is wrong about a fact that comes from the source data, tell us and we refund it in full.
Why £14.95?
It gathers the Environment Agency data for one address into a single readable document before you commit to a property. It is not a replacement for the flood search your conveyancer orders.