Flood Risk Home Insurance
If your home has flooded in the past, or you live in a flood-prone area, you might find it more difficult to get a quote for affordable home insurance.
Complete Cover Group has developed strong relationships with a wide range of leading UK insurers specialising in situations just like yours. We’ll help you to find great value insurance if your property is at risk of flooding.
Insurance flood risk map
Assessing your home’s risk of flooding from a river or the sea
It’s not always obvious that your home is at risk. You can check the likelihood on the government’s Flood Map for Planning.
Just enter your postcode or a national grid reference and you’ll get a detailed map showing your property’s location and its proximity to flood zones.
Flood zone 1 (Low risk)
If your home is in Zone 1, there is a low annual probability (less than 1 in 1,000) of river or sea flooding.
Flood Zone 2 (Medium risk)
Homes in Zone 2 have between a 1 in 100 and 1 in 1,000 annual probability of river flooding and between 1 in 200 and 1 in 1,000 annual probability of sea flooding.
Flood Zone 3 (High Risk)
Property is Zone 3 has a 1 in 100 or greater annual probability of river flooding, or a 1 in 200 or greater annual probability of sea flooding.
Flood risk from surface water
Not all floods arise from overflowing rivers or seawater. When persistent bad weather causes the ground to become saturated, flooding from surface water is also a risk. Another Government flood risk resource can show you the potential risk of flood from surface water in your area. Again, simply enter your postcode and you can see in some detail the extent of flood risk from surface water in your area.
Our quotes are quick and easy, and we’ll soon find you a great policy with a reliable insurer. You will have peace of mind with just a few clicks of your mouse or a call to our helpful experts.