Surface Water Management

The risks of surface water flooding

Surface water flooding can cause immense damage to property and poses significant risk to public safety. In order to address these risks, the government aims to provide simple planning guidelines that will allow different organisations to work together in combating the problems surface water flooding might present. Surface Water Management Plans (SWMPs) have been compiled in order to allow local authorities to lead and co-ordinate flood risk management activities for the benefit of the whole nation. If you live in a flood risk area, it is essential that you protect your home with flood risk insurance.


SWMPs help by outlining the preferred strategy for handling surface water in any given location. Surface water flooding in this context refers to any flooding from sewers, drains, land runoff, groundwater, small watercourses or ditches that might occur after heavy rainfall. Because rain related flooding is often less predictable than flooding from tidal sources, it can affect almost any location imaginable. This means that you don't have to live in a known flood risk area to be in danger. No matter what risk you are at, you must have adequate flooding insurance covering your property.

Causes and effects

Those who are responsible for the management of surface water and drainage in their areas are consulted during the development of SWMPs. This is important as understanding the cause and effect of surface water flooding is integral to creating a cost effective strategy for risk management in the future. The spirit of cooperation is hoped to further innovation for approaches to flood management, and the mutual benefit of making strategies cost effective is supposed to create a sustainable approach. No matter what SWMPs have been devised for your area, it is still important that you have your own flood damage insurance in place.

By undertaking SWMP studies the government hopes to achieve an increased understanding of the causes and probability of surface water flooding taking place. They also hope to better understand the consequences of such floods, in order to prepare more adequate response in the future. Studying the problem will hopefully allow those in charge the chance to identify areas at the most risk, in order to focus response efforts as and when they are required. Better coordination will also help for a quicker and more effective response in an emergency. When a flooding emergency occurs, you might find that your flooding insurance is your last defence against the damage.


If you live in a known flood risk area, you are likely to have a harder time finding flood damage insurance than people elsewhere. If your area is not known to be at risk, it is vital that you do not become complacent. With HomeProtect you can get a competitive online quote for flood risk insurance, no matter how at risk your property might be. Even if you have had to make flooding insurance claims in the past, HomeProtect can still give you a quote for future cover.

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What is groundwater flooding?

Groundwater flooding is when the water in permeable rocks rises above the ground surface. This can allow water into basements and cellars of properties.

What is the meaning of pluvial risk from flooding?

Pluvial flooding is when a heavy downpour of rain overwhelms the drainage systems and excess water is not absorbed. Pluvial flooding is also sometimes called surface water flooding. As it is rainwater, any part of the country can be at risk of flooding during torrential rain.