Risks are higher if you live near a river that might burst its banks, especially if your home is on a flood plain.
In coastal areas, storm surges can push seawater towards the shore, threatening nearby properties.
Even inland areas away from rivers or up hills can suffer surface or flash flooding. This happens when heavy rainwater can't drain away, for example from concrete surfaces.
Check whether you live in a flood risk area. If your property is vulnerable, you should sign up for the free warning service and have a flood-prevention plan in place.