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I haven't looked into insurance yet but 'our' street and Chris's have never actually flooded despite being the closest two to the waterworks/marshes
It's worth having a check (I'm surprised your solicitor hasn't told you to). To an extent the insurers will be working off the same reports that suggest it's at risk of flooding so a quick 10 minutes to confirm that it won't be an outrageous cost is sensible.
aggi
Fox
'Ours' (or what will hopefully be ours as long as it doesn't go tits up) is not lovely, although we plan to make it lovely. But removing the silly little roof, taking off the render and pebbledash I know is underneath and rebuilding the bay will be lower priority than stuff inside, so it might have to look unlovely for a bit (we couldn't afford a lovely one)!
I haven't looked into insurance yet but 'our' street and Chris's have never actually flooded despite being the closest two to the waterworks/marshes, so as I understand it there shouldn't be a problem.
I am treating the possibility of flooding as more than theoretical though. We'll need to demolish the back and put a new side return extension/kitchen in, so when we do I'm planning on putting in a non-return valve into the foul drainage so if it does happen our kitchen won't fill with poo and make it as flood resistant as possible (raised electrics/boiler/appliances, flood resistant materials etc.). As you can see we'll need a new front door so planning on a flood resistant one and anti-flood airbricks.
Hopefully none of this will ever be needed and I'll have wasted a few grand, but if it is I'll be glad I did.