PRETIRA
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16Collateral field

Flooding probability from rivers & sea % in lending decisions.

Flooding probability from rivers & sea % gives the annual probability of flooding from rivers and the sea at the address, not the postcode, published modelled with 98.81% coverage across England. Where modelled, it remains separate from declared evidence so you can validate it against your own reference records. Attribution and refresh period are in the dictionary.

Core tierModelledEngland 98.81%Refresh Yearly

Pretira publishes flooding probability from rivers & sea % modelled at 98.81% coverage across England, refreshed yearly, with declared and modelled kept separate.

16.1Decision rule
// routing pattern
IF flood_risk_rivers_sea > risk_tolerance_pct -> route to physical risk review

The sample record returns zero; a material rivers-and-sea probability is the case that belongs in a physical-risk review rather than a data decision.

16.2Where it bites
01

Physical-risk views for supervisory and disclosure work.

02

Portfolio flood concentration by address.

03

Case-level routing where risk is material.

16.3Provenance

Modelled national hazard data joined at the property point - a dot, not a postcode. Note the separate category field; a percentage and a category are not the same thing.

Class: Modelled · Refresh: Yearly · England: 98.81%

›GET /property/999000000001sandbox: true
surroundings.environment.flood.flood_risk_rivers_sea0
surroundings.environment.flood.flood_risk_surface_water0
surroundings.environment.flood.risk_category_surface_water"No Risk"
Sample record only - 1 Cedar Street, CH1 1MN. Deterministic synthetic data. No live call from this page.
16.4Related fields
Flooding probability from surface water %CoreLocal subsidence risk (current and forecast)CoreRadonCoreProperty sale valueCore
16.5FAQ

Three questions on this field.

Address-level. We work from a dot, joining national hazard modelling at the property point rather than smearing a postcode average across it.

It supplies the data those exercises run on. It is data, not advice.

Covered across Great Britain. Northern Ireland environment layers are not in the record today, and the coverage column says so.

Core tier. Routing rules on this page are illustrative patterns; coverage figures render from the dictionary. Dictionary: July 2026.

Review this field before you deploy it.

Start with a synthetic record or a controlled standard sample. We will show the field provenance, coverage and testing, then scope the production route.

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