Sample report · Real output of this product for a public postcode in York (the Guildhall side of St Helen's Square), built on 7 September 2026 — not a customer's home and not a mock-up. Nothing below this bar has been edited. Yours is built fresh for the pin you place: £39 by email, full refund if we can't produce a usable report for your address.

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Report 02AA41DE
Generated 2026-09-07

UK Home Risk Report

YO1 9QN, York

Lat 53.95966 Lon -1.08564 Grid 460093 E · 451893 N Source postcodes.io Layers 4/4

The verdict

low overall risk across flood · ground motion · climate
LowModerateElevatedHigh

Low overall. One layer records a mild finding — stated in this verdict's headline and detailed in its chapter — at the lowest step this report distinguishes. Nothing here warrants more than standard diligence, and a dated record of exactly where the address sits is worth having in a negotiation.

  • Climate projections to 2050 worsen this location's profile (days over 30°C 0.3→0.8/yr)
None
Flood band
-1.0 mm/yr
Worst ground motion
0
Live warnings 10 km
18→13/yr
Heavy-rain days by 2050
11 m
Site elevation

Chapter 01

Flood

score 0/3

Long-term risk band for rivers and sea at this address: None — below the 0.1% annual-chance threshold, the lowest band the national mapping assigns. The nearest higher-risk zone lies ≈ 14 m away.

Surroundings within 500 m

Risk bandNearest mapped zoneAnnual chance in that zone
High ≈ 14 m a 3.3% or greater annual chance of flooding
Medium ≈ 50 m between a 1% and 3.3% annual chance of flooding
Low ≈ 50 m between a 0.1% and 1% annual chance of flooding
Mapped flood zone nearby≈ 22.8 hawithin 500 m of the address

No live flood warnings within 10 km at report time.

Nearest river gauges — live levels

GaugeRiverDistanceLevel nowTypical rangeState
Viking Recorder River Ouse 0.1 km 0.04–1.90 m unknown
York Castle Mills Sluices River Foss 0.8 km 7.58 m 7.51–7.80 m typical
York Foss Barrier Browney Dyke 0.9 km 5.20 m 5.07–6.95 m typical

What this means for you

  • This address is outside the higher-risk mapped zones for river and sea flooding.
  • A higher-risk zone lies about 14 m away. Mapped boundaries are drawn from models — worth one direct question about how the street itself behaves in prolonged rain.

Questions to ask

  • Has water ever come close during major events, even if it never entered the property?

Chapter 02

Ground motion

score 0/3

Satellite radar (Sentinel-1 InSAR via the European Ground Motion Service) has measured millimetre-scale movement here across the 2020-2024 observation period. Within 100 m of this address the verdict is stable ground motion.

−12 mm/yr sinking0 · stable+12 mm/yr rising
MeasurementValueReading
Radar points within 100 m4 nearest ≈ 60 m from the address
Worst velocity-1.0 mm/yr negative = sinking (away from satellite)
Average velocity-0.8 mm/yr across all points in radius
Velocity spread-1.0 to -0.7 mm/yr a wide spread can indicate differential movement
Point behaviour 0 ↓ · 4 — · 0 ↑ sinking · stable · rising

What this means for you

  • Radar measurements around this address have been stable across the 2020-2024 observation period — the ground here simply has not been moving at a level satellites can detect. That is dated, independent reassurance most buyers never get to see.

Chapter 03

Climate outlook

score 1/2

The last decade of weather at this location (ERA5 reanalysis, 2015–2024) against climate-model projections for the 2040s (CMIP6) — resolved to this address rather than a national average.

ERA5 is a reanalysis: observations combined with a weather model on a grid of roughly 30 km, not a gauge in this street. Against UK station records it runs on the order of 10% wetter and about 1 °C cooler on daily maxima, so read the direction and size of change rather than treating any single figure as a measurement taken here. The two columns also come from different products, which is why no change is shown for the hottest day — that difference would say more about the models than about this address.

IndicatorLast decade2040s projectionChange
Heavy-rain days (≥10 mm) / year 18 13 -5.2
Extreme-rain days (≥20 mm) / year 2.7 1.4 -1.3
Annual rainfall 795 mm 660 mm -135.3 mm
Days over 30 °C / year 0.3 0.8 +0.5
Longest dry spell 19 days 19 days +0.1 days
Hottest day 38.2 °C 32.2 °C not comparable

Largest single-day rainfall in the last decade: 36.8 mm · wettest month: Oct · site elevation ≈ 11 m

What this means for you

  • Projections show a marked increase in 30 °C+ days by 2050. Beyond comfort, hotter and drier summers increase clay-soil shrinkage — the main driver of UK subsidence claims.

Scope & limits

What this report sees —
and what it does not

Every figure here is measured or modelled at the coordinates on the cover, from open satellite and government data. This is an information product — not a structural survey, a valuation, or advice — and it cannot see inside the property.

Flood bands describe areas, not individual buildings. Ground-motion points measure the nearest radar reflectors, which may be neighbouring structures; where no points exist, draw no conclusion either way. Climate projections are one model's downscaled estimate, not a forecast.

Use this report to brief your surveyor, question your seller and price your insurance.

Methodology

Where every number comes from

National flood mapping is produced at catchment scale, and the agencies state it is not a substitute for a property-level assessment. It also does not model surface-water (pluvial) flooding, which now causes much of the flood damage in the UK. Read this as a dated, sourced starting point for the questions to ask — not as a survey of the building.

Data ingested into this service on: Flood (England) — 28 August 2026; Flood (Wales) — 28 August 2026; Flood (Scotland) — 28 August 2026; Ground motion — 29 August 2026. Each agency revises its mapping on its own schedule, so check the source if you need the current release rather than the one this report read.

Glossary

Annual chance
The probability of a flood event in any single year. "1%" is often called a "1-in-100-year" flood — it can still happen twice in a decade.
InSAR
Interferometric Synthetic Aperture Radar: comparing repeated radar images to measure ground movement to the millimetre.
mm/yr
Average velocity of a measured point, in millimetres per year. Negative values move away from the satellite — usually sinking.
Risk band
The national flood-mapping agency's classification of river-and-sea flood likelihood, reported here as High, Medium or Low, plus "None" for an address outside the mapped extents. The annual chance each band represents differs by nation and by whether the driver is rivers or the sea; the figure quoted in the verdict is the one that applies to this address. The agency, and its band definitions, are named in the methodology above.
Typical range
The band between a river gauge's usual low and high levels; a live level above it means the river is running unusually full.
Report 02AA41DE · generated 2026-09-07 18:53 UTC
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Contains Environment Agency information © Environment Agency and database right. Contains modified Copernicus Sentinel data. European Ground Motion Service © European Union, Copernicus Land Monitoring Service. Weather & climate data by Open-Meteo.com (CC BY 4.0).