Surface water High risk

[estebancolberto]

We are interested in buying a property. However, it is listed as Surface water High risk. Other water/flood risks are very low.
Given this, does it make sense to buy this property? Will it affect mortgage, insurance and resale value?

My house is called high risk for surface water. The garden got flooded once when there were blocked drains further up the road

Has the property ever flooded? That would include the grounds as well as the house. If so, you might need specialist insurance.

As for resale, you've asked the question, so might other people. We hear a lot now about communities being flooded. The weather is unpredictable and so is surface water. Does it give any indication from where it come from with this property? Front? Through the back garden? It matters because it affects your ability to protect the property from potential flooding.

Personally, it would be a no from me, but that's because I lived in a house that was a low surface water risk and we had flooding twice in 10 years. It was a very close call both times but we stopped it from coming in the house. The effect on my mental health was debilitating. I checked weather reports obsessively. If I saw a cloud in the sky, I would cancel a day out. I even cancelled a holiday once because a storm was due. I always kept a supply of sand bags just in case. It was a beautiful house, but a miserable existence. I'd never buy another house with even a hint of a flood risk ever again.