house being built flood risk assessments for new build houses

Flood Risk Assessment for New Build Residential Development

Flood risk assessments for new build residential planning applications across England and Wales, from single dwellings to large residential schemes.

OUR CLIENTS

One in nine new homes built in England between 2022 and 2024 sits in an area of medium or high flood risk (Aviva). A flood risk assessment is not a late-stage compliance document. On a new build residential scheme it is most useful at the point when the layout can still be changed.

New build residential development in a flood risk area requires a Flood Risk Assessment (FRA) that does more than confirm the flood zone. It needs to identify the flood mechanisms affecting the site, establish the design flood levels, set finished floor levels at an appropriate freeboard above those levels, demonstrate that safe access and egress is achievable, confirm that development will not increase flood risk elsewhere, and set out a surface water drainage strategy that manages runoff sustainably.

The revised NPPF now requires SuDS Design to be considered on all new development, not just major schemes. For most new build residential applications, a Surface Water Drainage Strategy will be expected alongside the FRA. Preparing both documents together from the same site-specific analysis is more efficient and produces a more coherent planning submission.

There is also an insurance dimension that is increasingly relevant for new build residential. Flood Re, the government-backed reinsurance scheme that helps keep flood insurance premiums affordable, does not apply to properties built after 2009. A new home built in a flood risk area today will not have access to Flood Re cover. Understanding the insurability and long-term flood risk implications of a site before committing to design is increasingly important for both developers and purchasers.

PLANNING CONTEXT


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Flood Risk Considerations for New Build Residential

The Sequential Test requires that new residential development is directed to areas of lowest flood risk. Where a site in Flood Zone 2 or 3 is being brought forward, the applicant must demonstrate that there are no reasonably available alternative sites in lower flood zones that could accommodate the development.

In some cases, where a site-specific Flood Risk Assessment demonstrates that the development would be safe for its lifetime without increasing flood risk elsewhere, and that no part of the development would be affected by flooding from any source, the Sequential Test may not need to be applied. This is typically considered on a site-specific basis.

For sites allocated in a Local Plan through the Sequential Test at plan-making stage, applicants are not required to repeat the test at application stage unless flood risk circumstances have changed or elements of the development differ from what was assessed. For unallocated sites, the developer must carry out the Sequential Test as part of the planning application.

Finished floor levels for new build residential should be set above the design flood level, with an appropriate freeboard allowance. Environment Agency standing advice typically recommends a minimum of 600mm above the design flood level, although this may be reduced (for example to 300mm) where there is a high degree of confidence in the flood level, or increased where there is greater uncertainty or residual risk.

The design flood level is the predicted flood water surface elevation for the 1 in 100 year river flood event, or 1 in 200 year tidal event, including an allowance for climate change over the lifetime of the development.

On sites with limited or uncertain model data, obtaining Environment Agency Product 4 data and undertaking site-specific analysis is often necessary to establish these levels robustly and to justify the freeboard applied.

Safe access and egress is a specific requirement for new residential development in flood risk areas. The FRA must demonstrate that a safe dry route exists for residents and emergency vehicles during the design flood event. Where a safe dry route cannot be demonstrated, the development may need to demonstrate that safe refuge above flood level is available and that residents will receive adequate flood warning, through an accompanying Flood Warning & Evacuation Plan (FWEP).

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WHEN IS AN FRA REQUIRED?


Development Site considering Suds

When Is a Flood Risk Assessment Required for New Build Residential?

• Any new residential development in Flood Zone 2 or 3, regardless of size.
• New residential development of 1 hectare or more in Flood Zone 1.
• New residential development in Flood Zone 1 where the SFRA identifies surface water, groundwater or ordinary watercourse flood risk.
• Development requiring Sequential Test evidence for a site in Flood Zone 2 or 3.
• Development requiring Exception Test evidence for a more vulnerable residential use in Flood Zone 3a, or where residential development in Flood Zone 3b functional floodplain would not be permitted at all.
• Any residential development where the planning authority or Environment Agency has indicated flood risk is a material consideration.
• Pre-application scoping at RIBA Stage 1 or 2 to establish flood risk requirements before design is committed

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WHY FPS ENVIRONMENTAL


Flood risk and drainage site investigation using tablet equipment on site

Why FPS Environmental for New Build Residential?

New build residential is the development type where a flood risk assessment has the most potential to add value, and where a late or poorly scoped one causes the most damage. Finished floor levels set without proper flood level analysis, layouts fixed before access routes are tested, drainage strategies prepared separately from the FRA and inconsistent with it: these are the things that create problems at planning and cost money to resolve.

We obtain EA model data and establish design flood levels from that data, not from the online mapping tools. Those tools are useful for screening. They are not sufficient for setting floor levels or demonstrating safe access on a planning application, and using them as if they were is one of the most common reasons FRAs draw objections from the Environment Agency.

Early instruction is where the return is greatest. At RIBA Stage 2, when layout, levels and access are still being decided, flood risk input changes outcomes. By Stage 4, an FRA can only respond to decisions that have already been made. Finished floor levels, site layout, SuDS placement and access arrangements are all most efficiently resolved before they are fixed in the design, not after. We work with developers and architects from Stage 1 through to planning submission, so that the flood risk analysis informs the design rather than reacting to it.

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Flood Risk Consultant pointing at map with FPS Environmental logo on jacket
Development Site considering Suds
Flood risk and drainage site investigation using tablet equipment on site

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Years combined civil & environmental engineering experience


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Years delivering drainage, design and risk advisory


£
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Projects including individual assets valued at £1 billion+


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Drainage design and flood risk commissions delivered

FPS Environmental Epperstone Office

Our Process

1

Initial project review

2

Service agreed and fees paid

3

Product data requested from key agencies

4

Analysis, discussion and strategy development

5

Report sent to client

6

Additional support as necessary

Our Process

Client Testimonials

Here are some of our latest testimonials from satisfied clients. If you’d like to discuss your requirements further, please don’t hesitate to get in touch.

We are a charity owning a large parcel of land where gathering water is then affecting neighbouring properties. Received expert flood risk and drainage advice from FPS Environmental Ltd. All dealings with them were timely and professional. Site visit arranged where we were able to fully discuss causes and solutions. Great peace of mind obtained from engaging their expertise.

Michael Rowell

Landowner

The report I received was for a Flood Survey which was very thorough and clearly a lot of work had gone into it. The team were always available and conscious of deadlines. I would definitely recommend them if you are looking to get a flood survey completed.

Mike Gray

We spent thousands of pounds on poor quality investigations before reaching out to FPS Environmental. Most surveyors over promised and underdelivered creating tremendous stress for me and my family. FPSE has been absolutely amazing from the very beginning. They treated us with respect and restored our faith in this industry. We are incredibly grateful to them and highly recommend the company to anybody who wants to get a top product and piece of mind.

George Albota

I have used FPS, Simon and his team on several occasions over the last few years to advise on the flood risk and mitigating factors on both houses and prospective businesses. They have deep expertise and contacts across the spectrum of flood management. In particular, I have found their assessment reports invaluable. Whilst they are understandably busy, they are good to deal with and I would have no hesitation recommending them to anyone who is looking for advice in the sector.

Richard Warburton

Business Owner

FPS was really helpful in providing consulting advice in connection with a residential property acquisition. Sebastian from FPS undertook the survey and followed up with a full report and a consultation call to run through everything. The basic desktop data suggested a high flood risk, but this property-specific survey allowed us to take a well-informed position following Sebastian’s advice. Great work – and he and the FPS team were really helpful throughout the process. I’d certainly recommend them.

Richard Brandon

Very impressed with FPS Environmental Ltd and the guidance we have received to date. We had an hour long online consultation with the principal surveyor, and it was extremely helpful and productive. Thank you FPS. Will use the company again and highly recommend.

Helen Sutherland

FPS were able to work to our schedule and fit in an appointment at short notice. There was great communication from the office staff keeping us informed of any changes or requirements before the site visit.

The site survey was very thorough and Simon very knowledgeable, and quite happy to answer all questions. The provided report was extensive with usable information and recommendations. I will use FPS in the future and happily recommend them to all of my clients.

Drew Kirkland-Crawford

Deadwood Services Ltd

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