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How to know if you’re at risk of flooding

12/11/2019
Everything you need to know about parametric insurance
23/10/2019

Flooding is a real threat for many households and businesses in the UK and is at the front of peoples minds after the recent devastating floods in Northern England and the East Midlands. Even though it is a serious problem, many people are unaware of how great their risk of flooding could be.

Flooding has a much wider impact than people realise. Source: https://rainbow-int-franchise.co.uk/flooding-statistics-uk/

With flooding causing on average £1.1 billion of damage every year, everyone needs to be flood aware. To help you be more flood resilient, we’ve compiled some of the best links to help you find out if you’re at risk of flooding.

Environment Agency Flood Map for Planning

The Environment Agency flood map for planning lets you use your postcode or address to find river flood zones, where flood defences are located and whether or not you are protected by them.

Unfortunately this map only provides data for postcodes in England. Click here for Wales and Scotland.

  • The Environment Agency flood map for planning talks about flood zones, but what do they mean?
  • Flood Zone 1 refers to land assessed as having a less than 1 in 1,000 annual probability of river or sea flooding (<0.1%) – lowest risk.
  • Flood Zone 2 –  land assessed as having between a 1 in 100 and 1 in 1,000 annual probability of river flooding (1%– 0.1%), or between a 1 in 200 and 1 in 1,000 annual probability of sea flooding (0.5%– 0.1%) in any year – medium risk.
  • Flood Zone 3 – land assessed as having a 1 in 100 or greater annual probability of river flooding (>1%),or a 1 in 200 or greater annual probability of flooding from the sea (>0.5%) in any year – highest risk
Environment Agency flood map for planning view of Fishlake – a village flooded by the River Don in South Yorkshire during the recent floods

Environment Agency Long Term Flood Risk Map

A similar tool to the flood map for planning, the Environment Agency’s long term flood risk map enables you to search by postcode to find out your flood risk(again, only showing data for England). Crucially though, it also shows risk from surface water flooding, which is a more widespread, but less well known threat than river flooding.

National view of the Environment Agency’s long term flood risk map

River Levels map of current and recent flood warnings and alerts

Being flood resilient isn’t only about knowing the long term risk. It’s also being aware of when a flood will occur. River Level’s map of current and recent flood warnings does what it says on the tin, showing you where all active flood warnings are accurate to within 20 minutes.

Unsure as to what each flood warning represents? Check out our helpful guide here.

Map of active and recently withdrawn flood warnings in the Midlands and North of England on 12th December 2019 at 10:10

The most important point to bear in mind is that even if you haven’t flooded before, you may still be at risk. Many areas in the UK do have flood risk, despite not having flooded in recent memory. A clear example of this is Fishlake, a village in South Yorkshire which reportedly hadn’t been flooded for 100 years until last week. We encourage the use of the links above to find out your flood risk and take any necessary precautions to become more flood resilient – whether this be installing flood protections or ensuring you have flood insurance.