Additional Services

Flood Risk Report

A Flood Risk Report is an assessment of how likely it is that the property you’re intending to purchase will suffer from flooding at some point in the future. It is estimated that as much as 10% of residential properties are not insurable at standard rates (JBA). A lack of affordable flood insurance can impact on a property’s future valuation, mortgage application and saleability.

The Flood Risk Report isn’t based on a physical inspection but on historical data from the Environment Agency and the Natural Resources Wales agency which report providers use.

Mortgage Lenders do not normally require you to book a flood risk report – it is not among their stipulated property searches – but you will need to inform your Building Insurers if the property has flooded or is in a high risk flood area. If you fail to inform your building insurer and your home is flooded, you may be at risk from not being insured for losses due to flooding.

Full Flood Risk Assessments

A flood risk assessment (FRA) is an assessment of the risk of flooding from all flooding mechanisms, the identification of flood mitigation measures and should provide advice on actions to be taken before and during a flood. The sources of water which produce floods include:

  • Groundwater (saturated groundwater)
  • Vadose (water flowing the ground in an unsaturated state)
  • Surface Water
  • Artificial water (burst water mains, canals or reservoirs)
  • Rivers, streams or watercourses
  • High Security Hinges
  • Flooding of low-lying coastal regions due to sea level rise