UK Home Risk Report
The verdict
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. On scope: this report does not include live flood warnings for addresses here — a limit of what we cover, not a finding about this property, and the chapter below says which service does publish it.
Chapter 01
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 ≈ 51 m away.
| Risk band | Nearest mapped zone | Annual chance in that zone |
|---|---|---|
| High | ≈ 51 m | a 3.3% or greater annual chance of flooding |
| Medium | ≈ 246 m | at least a 1% annual chance of river flooding, or 0.5% from the sea |
| Low | ≈ 50 m | between a 0.1% and 1% annual chance of river flooding, or 0.1% and 0.5% from the sea |
| Mapped flood zone nearby | ≈ 41.1 ha | within 500 m of the address |
Live warnings unavailable — live flood warnings for Wales are published by Natural Resources Wales — a separate service we have not connected yet.
Chapter 02
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 slight ground motion.
| Measurement | Value | Reading |
|---|---|---|
| Radar points within 100 m | 3 | nearest ≈ 39 m from the address |
| Worst velocity | -2.4 mm/yr | negative = sinking (away from satellite) |
| Average velocity | -1.9 mm/yr | across all points in radius |
| Velocity spread | -2.4 to -1.6 mm/yr | a wide spread can indicate differential movement |
| Point behaviour | 1 ↓ · 2 — · 0 ↑ | sinking · stable · rising |
Chapter 03
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.
| Indicator | Last decade | 2040s projection | Change |
|---|---|---|---|
| Heavy-rain days (≥10 mm) / year | 67 | 35 | -32.4 |
| Extreme-rain days (≥20 mm) / year | 15.6 | 5.4 | -10.2 |
| Annual rainfall | 1845 mm | 1205 mm | -640.3 mm |
| Days over 30 °C / year | 0.2 | 0.0 | -0.2 |
| Longest dry spell | 15 days | 16 days | +1.7 days |
| Hottest day | 32.8 °C | 28.2 °C | not comparable |
Largest single-day rainfall in the last decade: 58.0 mm · wettest month: Dec · site elevation ≈ 5 m
Scope & limits
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
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.