Niche Question about flood risk from surface water flooding

[Namechange13101]

We've seen a house we really like, (built 10 years ago) but has a medium yearly risk of surface water flooding (high risk of year surface water flooding 2040-2060) having checked the address on the Government flood website. Risk of flooding from rivers etc is very low on the smae system.

Spoken to the agent and its never flooded, since its been built and having walked through the whole development and looked at the plans on line the developer has put in extensive storm drains as per the planning permission, but should i have reservations about being able to get the mortgae/insurance approved?

Spoken to the agent and its never flooded,

The agent would say that whether they knew it or not.

Are there any neighbours?

I'm sure that was how acquaintances of mine caught out their vendors and the agent not telling the truth about previous flooding.

We actually know the people who live opposite and bought their house last year and they've confirmed that when they bought theirs none of the solicitors checks etc bought up flooding, and we've lived in the area a long time, so pretty confident thta information is correct. The people we know were cash buyers so didn't have the mortage issue but would still be interested to hear others thoughts

Really worth talking to local people. Might not have flooded but doesn't mean it hasn't had surface water moving around it up to doorstop level. Also, could you phone your present insurance company to get a quote for insurance if they lived there - at the end you could ask them if there's anything high risk in the area as far as they're concerned.