Question 1

Where does the flood data come from?

Accepted Answer

Active flood warnings and alerts come from the Environment Agency’s official live feed (England and Wales). For the authoritative long-term risk at a specific address, use the GOV.UK long-term flood-risk service.

Question 2

Are no live warnings the same as low risk?

Accepted Answer

No. Live warnings are a real-time signal of flooding in force now, not a long-term verdict on the property. Always check the official long-term flood-risk service for the address itself.

Question 3

Can I get a mortgage on a flood-risk property?

Accepted Answer

It is rarely declined on flood alone, but buildings insurance — sometimes via Flood Re — and occasionally a flood report can be required. Note that Flood Re excludes homes built after 2009.

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