Environment Agency data — England

HR1 flood risk: Hereford

A Zone 3 record matches the representative map point

The Planning Data flood-zone dataset records Zone 3 at the representative point for Hereford (HR1). This is a planning-map observation at one point, not the flood probability or history of every home in the area. Check the current Environment Agency maps and the exact property before committing.

Hereford on the River Wye, with record floods in 2020.

Flood zone band

These are planning-zone definitions. Only a returned Zone 2 or 3 match is highlighted. Planning Data lists new data last found on 24 August 2023 (checked 5 September 2026); confirm the current position on the Environment Agency map.

Zone 1 — Low

Below a 1-in-1,000 annual chance from rivers/sea.

Zone 2 — Medium

1-in-100 to 1-in-1,000 annual chance from rivers.

Zone 3 — High

1-in-100 or greater from rivers; 1-in-200 from the sea.

Representative point

Mapped flood types at the representative point: Fluvial Models.

Recorded flood history nearby

The Environment Agency has 1 recorded flood outline within ~250 m of the representative point for HR1:

Lugwardine April 1947 011 Apr 1947 · fluvial

Ask the seller to confirm the property's flood history on the TA6 Property Information Form.

Climate-change river-flow uplift

Management catchment: Wye MC (Severn). Projected % uplift to peak river flow vs the 1961–1990 baseline (river flooding only):

Epoch	Central (50%)	Higher central (70%)	Upper end (95%)
2020s	+14%	+19%	+29%
2050s	+20%	+27%	+47%
2080s	+37%	+49%	+80%

River (fluvial) flooding only — says nothing about surface-water or tidal change.

What this means for buyers and insurance

Flood zones are mapped at street level — an outcode is too coarse to decide on a single property. A home a few metres from a Zone 3 boundary can be Zone 1, and vice versa. Treat this page as the area context, then check the exact address.

Ask the lender which searches are needed and obtain an insurance quote for the exact property. Flood Re provides reinsurance for eligible risks; the insurer sets the customer's premium, excess and terms. Ask the seller about previous flooding and have your conveyancer follow up the answers and supporting documents. How Flood Re works.

Check a specific HR1 address

This page uses one representative point for HR1. Our free guide explains the available screening and its limits. Complete (£24.99) combines available property records into a human-checked report; postcode and area data cannot establish this building's full flood history or an insurance decision.

Try or search any UK postcode

Check an address — flood-risk tool Should I buy a house with flood risk?

Frequently asked questions

Is HR1 in a flood zone?

What do the flood zones mean for buying a house?

Flood Zone 1 is low risk (below a 1-in-1,000 annual chance of river flooding). Zone 2 is medium (1-in-100 to 1-in-1,000). Zone 3 is high (1-in-100 or greater from rivers, or 1-in-200 from the sea). A home in Zone 2 or 3 can be harder to insure and mortgage, and you should ask the seller about flood history on the TA6 Property Information Form.

Does a flood zone affect insurance and mortgages?

A planning zone does not determine the premium, lender decision or Flood Re eligibility. Flood Re is a reinsurance scheme; insurers set the customer's prices and terms. Ask the lender and obtain a quote for the exact property, checking any scheme eligibility with the insurer.

How do I check flood risk for a specific HR1 address?

Start with the Environment Agency long-term flood service and Flood Map for Planning, and ask separately about previous flooding and insurance terms. Our free tool explains postcode screening; Complete (£24.99) brings available records into a human-checked report with source and location limits. It cannot establish this building's full flood history or insurance terms.

Sources

Long-term flood risk check — Environment Agency / GOV.UK
Flood Map for Planning (flood-risk-zone) — planning.data.gov.uk
Outcode geocoding — postcodes.io