You can check your postcode on the relevant official flood-risk service on GOV.UK, although insurers may also use their own data and assessments. A higher flood risk can affect the availability, premium and excess of home insurance, so answer questions about previous flooding and the property honestly. Some eligible UK homes may have access to the Flood Re scheme through participating insurers, but eligibility depends on the property and policy. Compare cover with an FCA-authorised provider and check the policy’s flood exclusions, limits and excess before buying.