Flood zone 3, DH blasé!

[BumWad]

What are your thoughts?

Just had our flood search back which has shown that the house we want to buy is in a flood zone 3!

There is a brook running through the back garden from a prominent river. Flood defences are in place and the report does say that there is no record of any flooding to the property or adjoining property and no record of previous insurance claims due to flooding. The house is 110 years old and bloody gorgeous.

DH is very blasé about it all, he loves the house and that is that, but the word FLOOD freaks me out!! He thinks there isn't a 'risk' even though I keep pointing out that the Environmental Agency say it is actually a HIGH risk

Solicitor says there are no more searches to be done, only on the property for amendments or defences we would like to carry out.

On another note as well the house wasn't cheap and had been on the market for over the year before we made an offer, had only had 5 viewings prior to that! Now I know why...

Not quite sure why I'm posing this... Thoughts please?

run some insurance quotes and see what happens.

there may not be a real risk - I've lived in a place like this with no problems BUT you need to see what the insurance situation is.

Yep do a few dummy insurance runs.

I would be a bit hesitant to be honest but I do know the EA models which calculate the risk are not perfect. However it would be highly unlikely to get planning permission these days

YY to insurance. We live about 50m from a canal and our insurance went through the roof s few years ago -despite never having been flooded. Better now, though...

Have done multiple quotes.
Seem very reasonable for decent cover. £250 per annum. Ticked the box where it asks if there is any water less than 400m from the property... Is this the only thing I should be worrying about though? Obviously apart from the FLOODING

Our search results came back that we were at high risk of flooding. Where we live it hasn't flooded for over 200 years, so I tend to take those results with a pinch of salt.

In terms of geography how likely is it to flood? Our house is on the bank of a big river. Looking at a map we look very risky but if you stand in the garden you realise how unlikely we are to flood. There was flooding in the village a few years back and our house was just fine while houses which were 100m or so from the river on the other bank were flooded. I bet those houses were never considered at high risk of flooding.

Sorry I know I am bombarding my own thread. But have seen old threads on the property forum on Martin lewis site saying to just giving the environmental agency a phone call and speaking to them about it. Has anybody done this?

A bit different from you, but our search showed that the property we'd like to buy is in an area at high risk of groundwater and surface water flooding. We live very close and don't know of any flooding in that road even thought there is a stream about 60m away. I explained all this to our insurance company and they said they're only concerned if the property or it's neighbours have flooded. It might be worth double checking you're covered for subsidence, landslip and heave (most policies do cover this) in case the level of water changes the ground.

Under standard enquiries, the question of any known flooding would have been raised. Ask what the vendors answer to that was. Also, you can ask anything you want, so you can ask if any of the neighbouring houses is known to have flooded.

You could certainly phone the Environment Agency. If you live fairly local, ask people what they know of the area.