11/29/2023 0 Comments Buying a house in a flood plain![]() ![]() If your property won’t qualify for buildings insurance, it’s unlikely you’ll find a mortgage provider willing to lend to you. You need buildings insurance as a condition of getting a mortgage. Speak to your local mortgage expert in York first to find out which mortgage providers might take on a property with flooding (or flood risk) history. New damp coursing or evidence of damp timber treatment can help put your mind at rest. As such, your mortgage provider may be more willing to lend to you.Ĭonsider also the steps the vendor has taken to flood-proof or repair their home. If circumstances have changed since the property last flooded (or was at significant risk of flooding), this can reduce the risk of it happening again. Additional flood barriers and measures are also either in place or under construction. This means a lower volume of water is pushed through the narrower river channel through the city. Massive floods across Yorkshire and the Humber over the last decade mean huge efforts have been made to prevent properties flooding again.įor example, York council conducted major flood works further up the River Ouse to allow high river levels to spill onto safe flood plains. So, if your house only flooded during this incident – and not the usual floods of the area, the risk is lower. The likelihood of such an event happening again is very, very small. ![]() Unlike a construction issue, such as a housing development reducing surface water drainage, this was a once-in-a-lifetime freak accident. Where the Ouse and Foss rivers convene, the water had nowhere to go but up. The river levels hit record highs not because the rain was exceptional (although it was bad), but because of a mechanical error at the Fossgate weir. Let’s look at the 2015 York floods again. Other causes may be due to a string of unfortunate and unpredictable events. Four months of rain fell in 24 hours an unprecedented amount localised to the region. The residents of Doncaster and surrounding areas, for example, are currently still recovering from the November 2019 flooding of the River Don. Sometimes, an unpredictable freak environmental event is the cause. Public records also yield a lot of useful information about floods, too. They may not remember a time this happened – or, they’ll tell you exactly why it happened. Speak to the neighbours and ask when the property or area last flooded. You can also find out about the flood risk of the area with a little investigative work. Investigate the circumstances of previous flooding If it says your property will be in a flood risk area, commission an independent detailed flood report. So, always take the basic search as an indicator of whether you need to investigate further. However, the river has yet to ever reach that height – even in the disastrous 2015 floods. On paper, this boundary looks like it’s a high flood risk area. At the top of that wall lie the gardens and ground floors of the riverfront properties. You can walk along the river with a 9-foot wall next to you. Riverside properties on the River Ouse are built on raised land. For example, if the property is on raised land next to a water source, it may show as being in a flood risk area, despite never having been flooded.Ī good example of this can be seen in the city of York – a place famous for its flooding. Your report also won’t always take into account important geographical features of your property boundaries, either. It’ll state whether this is high or low-risk, but that’s about it. Get detailed searchesĪ basic flood report will only tell you that your new home is situated in an area that has the potential to flood. ![]() Here’s how to prepare when you find out that your potential new house is in a flood risk area. You’ll need to conduct more detailed surveys, and check that you can afford higher insurance costs associated with this type of property. Whether your home has been previously flooded, or hasn’t flooded but is in a high-risk area, will affect many things. Finding out your dream home is in a flood risk area is heart-breaking – but don’t panic! It doesn’t always mean the end of the road for your home purchase. ![]()
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