How do river and tidal flood searches differ from surface water flood risk? — Property Passport UK guide
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How do river and tidal flood searches differ from surface water flood risk?

Agency datasets, insurance proxy questions, and planning overlays buyers combine before relying on a single map shade.

Published: 18 Apr 2026 · Updated: 18 Apr 2026 · 10 min read

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Different physics, different agencies

Fluvial and tidal risks usually come from river and coastal modelling. Surface water flooding follows rainfall intensity and local drainage capacity.

Conveyancing reality

Search packs may summarise both where products exist.

Your survey should comment on visible damp routes.

Planning may show Sustainable Drainage expectations on new plots.

Cross-check marketing claims about defences with Environment Agency maps.

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