Due to recent widespread flooding in the UK caused by storms in the past few weeks, many residents and businesses have suffered significant losses. The increasing severity of flood issues in the UK is attributed to more extreme rainfall events resulting from climate change. Properties situated near rivers or coastlines are particularly susceptible to these impacts. Here are some recommendations when purchasing a property in high flood-risk areas.
🌟 Research Flood Risk
The first step is to thoroughly research the flood risk levels of the property and its location. The UK government provides online flood risk maps (https://flood-map-for-planning.service.gov.uk/), where you can enter the postal code to check the risk level, categorized as low, medium, or high. It’s important to note that flood risk levels may change over time.
Before completing a property purchase, efforts should also be made to obtain a detailed flood risk assessment report. This assessment provides information on the flood risk level, types of floods (such as river, coastal, or surface water), and the likelihood of obtaining insurance for the property. Understanding the flood risk assessment helps you make informed decisions about purchasing a property located in a flood-prone area.
For example, the city of York is known for its flooding. Properties along the River Ouse are built on elevated ground. If the flood risk map indicates that your property will be in a flood-prone area, it’s advisable to commission an independent and detailed flood report.
🌟 Understand Flood Defense Mechanisms
You may also need to find out about flood defense measures in place to protect the property and the community, such as flood walls and drainage systems. While these measures can reduce risk, they cannot eliminate it entirely. Understanding their regular maintenance and upgrade status is crucial. Flood defense may be managed by the Environment Agency or local flood action groups.
Flood defense falls into two categories:
Structural flood defense: These are physical structures designed to prevent water from entering properties and communities. Examples include flood walls, barriers, and dams.
Non-structural flood defense: These are measures aimed at mitigating the impact on properties and communities after a flood occurs. Examples include flood warning systems, evacuation plans, and flood-resistant materials.
🌟 Purchase Flood Insurance
Standard home insurance usually does not cover flood losses, so separate flood insurance needs to be purchased. In high-risk areas, this can be expensive. The UK government’s Flood Re scheme sets a cap on premiums for some homes built before 2009. Properties in flood-risk areas may face challenges in obtaining insurance, and the cost of flood insurance is typically higher. Understanding the availability and affordability of insurance coverage for the property you are considering purchasing is crucial.
🌟 Be Prepared for Flooding
If you reside in a high-risk flood area, being prepared for flooding is essential. Here are some measures you can take to minimize damage and ensure safety during a flood:
Develop an emergency flood plan: Create a comprehensive plan that includes evacuation routes, designated family meeting points, and an emergency contact list. Share this plan with family members and ensure everyone knows what to do in the event of a flood.