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It depends how at risk it is.
My house is shown as high risk from surface water flooding and low risk from the rivers and sea on here https://check-long-term-flood-risk.service.gov.uk/risk but realistically no houses in the area have ever come near flooding and I suspect the insurance reflects that.
I know of someone in York on the other hand with a house by the river that was pretty much uninsurable due to the actual regular flooding.
As others have said, try a few insurance companies to start and see what they say. Also, if you can, knock on a few people's doors nearby and say that you're thinking of buying and wondering if they have ever had a problem with flooding.
aggi
TTM
We have found a house that we really like, but unfortunately it's in an area at risk of flooding. We're trying to weigh up if it's even worth the time and energy to look into this further or if it's a no go off the bat.
Does anyone have experience of a similar situation and how can you find out whether it's insurable and whether a lender would even go near it?
Thanks