Flood Risk Survey
Need a flood risk survey? Find surveyors near you instantly. Get the best service, at the best price.
Flood Risk Survey
If you wish, you can now contact any of the flood risk surveyors listed below directly for more information, or they may contact you for more information so they can provide a more precise quote.
Flood Risk Survey
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Concerned about the flood risk of the property you are buying? Find the right conveyancing solicitor to carry out the correct property searches for you.
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What is a flood risk survey?
A flood risk survey, or floor risk report, is an assessment of how likely it is that the house you want to buy will flood at some point in the future, based on floods from the past.
The flood risk assessment will include information such as:
- Overall flood risk (Pass, Pass with Considerations or Further Action)
- River and sea flood risk
- Surface water flood risk
- Groundwater flooding
- JBA Floodability Rating – a colour-rating scale, from no colour (low likelihood) to black (very high likelihood.
- Historic flooding
Why compare flood risk survey quotes?
If you need to book a flood risk survey it’s important to compare multiple flood risk report quotes because it allows you to:
- Save money. Different flood surveyors may charge varying fees for similar services. So it helps you get a sense of how much you should be paying.
- Compare what’s offered: By getting multiple flood risk survey quotes you’ll quickly be able to assess the scope of services included in each quote.
- Gauge expertise: You can evaluate the expertise of each surveyor.
- Make informed decisions: By researching multiple options, you’ll be able to choose a surveyor who best fits your flood risk survey needs and budget.
When do you need a flood risk survey?
You may need a flood risk survey when you’re buying a house:
- If the house has already been flooded, this should be included in the property listing and should be stated in the TA6 property information form given to the buyer from the seller.
- Property searches by your conveyancer may show the risk of flooding. Once your offer on a house is accepted, your conveyancer will apply for property searches. The Environmental Search will indicate whether the area is at risk of surface water flooding, groundwater flooding or river/coastal flooding.
- The search will also indicate whether there have been any floods in the past and if there are any flood defences in place. The Environmental Search offers an insight into the potential flooding of the area and if the property is at risk of flooding, it’s recommended that a full flood report is done on the house.
However, before you make an offer on a house, there are a couple of quick checks you can do to try to find out about the flood risk.
Start by checking the property on the government’s flood risk website. Areas are graded for flood risk, from ‘high’ to ‘very low’. Also, ask local residents if they’ve experienced flooding. Although while this can be useful, don’t just take their word for it.
Type of flood risk reports
There are two types of flood risk report you can get:
FCI Flood Risk Report
- This report is based on historical data from the Environment Agency and the Natural Resources Wales agency.
- It’s a desktop based assessment, not a physical inspection.
- These are typically used if there are no flooding issues flagged in your environmental searches.
FCI Flood Risk Appraisal Report
- This is a physical inspection of the property.
- This report is typically chosen if you have an environmental searches or flood report that is flagging Further Action required.
- It will include detailed analysis of the flood risk.
Getting flood risk survey quotes? Common questions
Here are some of the common questions people ask when getting flood risk survey quotes.
What does ‘flood risk’ mean?
- Areas at risk of flooding are those at risk of flooding from any source, now or in the future.
- These sources include rivers, the sea, rising groundwater, overwhelmed sewers and drainage systems, reservoirs, canals and lakes and other artificial sources.
How expensive is damage caused by a flood?
How can I get quotes from flood risk surveyors?
- The quickest way to get quotes from flood risk surveyors is to start by using our online flood risk report comparison tool.
- Just enter details about your property and you’ll instantly receive contact details from multiple surveyors.
- You can then contact them directly for quotes so you can compare flood surveyors’ prices and services.
What’s the process for booking flood risk assessments?
How much does a flood risk survey cost in the UK?
- The cost of a flood survey depends on factors including the type of flood survey you choose, location and size of the property.
- A basic desk-top report may cost under £100 but a detailed flood risk appraisal with a site inspection can be around £200 or more.
How Our Flood Risk Assessment Comparison Tool Works
Our flood risk assessment quote comparison tool is easy to use. Simply:
- Input Your Details: Add information about your property and where it’s located.
- Instantly Receive a list of local surveyors who specialise in flood risk assessments.
- Compare and Choose: Contact flood risk assessors directly for quotes, assess the surveyors’ credentials, and select the best fit for your needs.
Flood risk reports and mortgages
- If you’re buying a house and a flood risk assessment you’ve commissioned shows it’s at risk of flooding, this may affect your ability to get a mortgage.
- But this will depend on the lender and also how high the risk of flooding is. So your best course of action is to speak to an expert fee-free mortgage broker. They’ll find the best mortgage for you, tailored to your circumstances.
Can I get house insurance for a flood risk house?
In the past, many people living in properties in high flood-risk areas or that have previously flooded have had difficulty getting home insurance.
- However, this has been eased for many households after the introduction of the government-backed Flood Re scheme which has existed since 2016 to help insurers cover people living in flood-prone areas.
But not everyone can benefit from the scheme and if you’re not eligible and the property is in a high-risk flood area, premiums can be significantly higher and you may also have fewer insurers to choose from. Find more information in our guide Buying a House in a Flood Zone Explained.
Frequently Asked Questions
Are your flood surveyors all local to my postcode?
Yes, our online flood risk report comparison tool will connect you with surveyors that are local to your postcode. So whether you’re in London, Birmingham, Manchester, Bristol, Leeds or anywhere else, you’ll get a local flood surveyor.
How long does a flood survey take?
A desktop report can usually be produced within 24-48 hours while a full flood risk appraisal including site visit may take up to a week, or even longer in some cases. It’s a good idea to discuss timeframes before commissioning your flood surveyor.
