3% risk of flooding

[wombpaloumbpa]

Fallen for a house that has a 3% risk of flooding (surface water) each year according to gov.uk

Does anyone has experience of this? It sounds low to me but it's classed as 'high risk'. Checked out our current house and it's only 0.5% risk. So I guess it is significant.

Anyone got any tips or advice?

Thank you!

We are planning on moving and had to provide flood risk details to our agent and I was shocked to see we were classed as high risk for surface flooding at 3% also. We have been here 5 years and never flooded or been close to it even when other parts of the village have flooded completely.

Yes I spoke to the agent who said basically the whole area is classified that was but actually it's only the road leading into the village that occasionally gets flooded, the village itself has never flooded to her memory. I suppose flooding is predicted to get worse with environmental problems and that's why ?

We had a 7% risk of flooding according to the proximity to a river.

The paperwork ignored the flipping massive hill we were on. If we ever got flooded, most of the country would have been underwater. Check the actual lie of the land, not some random computer calculation.

3% risk is more than 1in 100 so is high risk. You do have to look at the reason for surface water flooding though, and if that is likely to get worse with climate change or if it’s a problem that’s being looked into. I wouldn’t buy it without knowing the reason. Just because it hasn’t flooded before doesn’t mean it won’t.

I would do an insurance quote for the house.

@Overthebow thanks. How do I look into this though? I've requested a report from the government website.

@MadeForThis good idea thanks

I am not sure how accurate the government site is.

I have just checked my address and it says that I have a low risk of surface fooding but my next door neighbours risk is high.