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I personally wouldn't buy a house actually at risk of flooding
Neither would I. From what I've found out so far it hasn't/doesn't flood, but is in an area that's generally at risk.
It's probably a non starter, but it's really nice and want to be sure before giving up.
TTM-
Elevated above the river? The searches for mine flagged sea and river flood risk, but if it ever actually did, I think there might be more pressing concerns. Like the fact that the entire town became Atlantis.
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I think you've got to take a general view.
We're near a flood zone and a water management system that runs into a brook. Zurich wouldn't insure due to proximity as the crow flys. Other insurers have been fine. We're a lot higher than the area at risk and as the water management, is... well... managed if it gets to the point that we're flooded we're going to have much greater concerns.
All that said I definitely would never risk being anywhere close to a standing body of water and would always buy on higher ground. Weather is going to get more extreme. Flooding is going to get more common and extreme. Anyone buying near a body of water or in a flood zone should expect that their basement/ground floor and all the objects get destroyed, and be prepared to be uninsurable and that their home could be unsaleable.
Kurai
hugo7
I guess it depends how at risk of flooding it is? I personally wouldn't buy a house actually at risk of flooding as 1) it would be shit if your house flooded and 2) if it does flood, flood risk increases, or insurers get less keen on flood risk after some big losses then potentially the cost goes up or you can't get insurance, which would suck...