What Exact Flood-History Records Should I Request from the Seller?

Ask for: (1) documented flood events affecting the site or surrounding streets in the past 10 years, with dates, depth of flooding and duration; (2) any flood-related insurance claims or policy notes for the property; (3) a current ground-elevation or site-survey showing its height relative to local flood levels; (4) on-site drainage design details and maintenance records for surface drains, culverts, swales and pumps, plus any changes made by neighbours that could alter flow; (5) plans for coastal protection works, retaining walls or other structures, including who financed and who is responsible for maintenance; (6) available rainfall or flood-mapping data from local authorities; (7) photos or maps showing water paths during wet-season conditions; (8) any encumbrances or rights affecting drainage or access that could influence risk; (9) whether nearby development could change future drainage or flood exposure; and (10) whether insurers will cover property in this zone and at what premium. If possible, arrange a wet-season site visit or bring a local flood-risk specialist to review the materials. Remember, a dry-season picture can be misleading, so verify with independent data and neighbours’ accounts.