Help with understanding flood risk on searches please

[Slowlybutsurely]

Hi, I have received details of property searches from solicitors today. On the environmental search it states 'flood identified... The property has been indentified to lie in proximity to areas at risk of pluvial/fluvial or coastal flooding'.
There is woodland with several brooks etc about 1/2 a mile away. It suggests we purchase another search which we will obviously speak to solicitor about on Monday. I just wondered if anyone else had this on searches, what it means etc. Do we have to mention it on insurance. Husband has lived in area for 35 years and to his knowledge the woodlands have never flooded!!

[specialsubject]

the insurers will know as it is done by postcode. Don't worry.

I'd run some insurance quotes to see what you'll need to pay.

the woodlands may never have flooded - but as planning controls are now non-existent, it only needs a new housing estate to be thrown up and you could be swimming.

[MairzyDoats]

A flood search costs about £24 and is well worth doing imo. I wouldn't get too worried about it though as most enviros come back with that on these days. Incidentally pluvial flooding is flooding caused by rainfall, you don't need to be near a water source as it can be caused by overflowing drains etc. I'd recommend that you get the flood report as it will show you exactly what they're talking about.

[Slowlybutsurely]

Ok great thanks for the replies. I will definitely get the flood report done. I had been googling the different types of flooding as I didn't know what they were- well apart from coastal! Thanks

[TisIthecat]

It's also worth checking out the environment agency/ nrw / sepa flood risk

[tilder]

Second the environment agency website. Google flood risk planning environment agency. There are maps which you can look at for river (fluvial) and runoff (pluvial) flooding.

Flood risk is really important and will be an increasing risk. When people flood, unless it's a regular event someone always says 'I've lived here x years and it's never done this'.

Check it out. Streams, run off from roads fields etc and ground water can all cause flooding. As can blocked drains etc.

[Slowlybutsurely]

Thank you. I have been having a good look at the environment agency website. Will be speaking to the solicitor tomorrow morning. I can see from the map where the concern is. I guess I'm just not very sure what to do about the information as we do really want this house.

[tilder]

What you do with it is up to you and how you deal with risk. It's not an easy decision so good luck!

[LadyIsabellaWrotham]

Definitely get an insurance quote. The costs can be mind boggling - and bear in mind that if they've done with their sums right those costs equate to a risk of regular flooding which can ruin your year each time especially with DC, even if Flood Re makes it affordable.