PRETIRA
06Physical risk

Physical risk, at the address.

Flood ratings, depths and annual-loss estimates; erosion; subsidence and ground indicators - the view supervisory expectations are converging on.

›GET /property/999000000001?fields=surroundings/environmentsandbox: true
environment.flood.flood_risk_rivers_sea0%
environment.flood.flood_risk_surface_water0%
environment.flood.risk_category_surface_waterNo Risk
environment.flood.distance_from_river_m584
environment.ground.in_coal_mining_reporting_areafalse
environment.ground.radon_class1
environment.ground.subsidence_risk.2080Possible
joined at the property point, not the postcode
06.1What the view holds
01

At the address, not the postcode.

Physical hazard modelling joined at the property point, not smeared across a postcode. Two homes on the same street can carry different flood exposure; the postcode average hides exactly the case you need to see.

02

Depth bands, not just a flag.

Flood ratings come with modelled depths and annual-loss figures - the scenario-relevant detail supervisory and disclosure work is converging on. A yes or no flag does not survive a stress question; a depth band does.

03

Ground and legacy indicators.

Subsidence markers over multiple horizons, coal-mining reporting areas, historic landfill and radon class - the physical-risk view that used to require three separate searches, joined to the same UPRN.

04

Aggregates for the whole book.

The same fields aggregate into portfolio concentration views, so the physical-risk picture your second line reports is one you can evidence property by property.

06.2On the record
FieldClassEnglandRefresh
Flood risk (rivers and sea)Modelled98.81%Yearly
Flood risk (surface water)Modelled98.45%Yearly
Subsidence riskGeographic100%Yearly
Radon classGeographic100%Yearly

The surface-water percentage is an annual probability; the risk category is a separate field - we never conflate the two. Environment is a Great Britain product today. Dictionary: July 2026

06.3FAQ

Data, not advice.

It is data, not advice. Address-level flood ratings, depths, annual-loss estimates and ground indicators are the inputs your stress and disclosure work needs; the framing and the decision stay with you.

Flood, subsidence and ground indicators cover Great Britain to near-full depth - rivers-and-sea flood at 98.81%, surface water at 98.45%. The environment layer is a Great Britain product today; Northern Ireland is not yet covered on these fields and the dictionary says so.

The environment fields refresh yearly. We render the period from the dictionary rather than assert a cadence the field does not have. Dictionary: July 2026.

Bring the book. See the exposure.

Address-level physical risk across your portfolio, aggregated into the concentration views disclosure work now expects.

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