Yes, in parts, and the headline map is what hides it. None of Gorran Haven sits in the river-and-sea flood zones. A quarter of its postcodes still carry a high rating on at least one flood measure. Both of those sentences are true at the same time, which is the whole problem with asking about flooding in a coastal village. The clean answer and the honest answer are different documents.
Start with the tidy part. On the Environment Agency's river-and-sea flood zones, none of the area's postcodes fall in zone 3 and none fall in zone 2, the medium-probability fringe that sits beyond zone 3 rather than containing it. Zero and zero. There is no river here waiting to come over its banks, and any estate agent who tells you the property is outside the flood zones is telling you something accurate and almost beside the point.
Which leaves surface water: the flooding that comes off roofs, roads and ground rather than out of a channel. It is the mechanism the zone maps were never built to capture, and in a village pitched down towards a harbour it is the one that turns up in the ratings. The figures that catch it are the postcode-level indicators further down this answer, and they read nothing like the zeroes above.
Looking forward, about 4% of the area's postcodes fall inside the climate-adjusted extension of the flood zones. That is the allowance for a wetter, higher-sea future rather than today's mapping, and it is a small share, but it is a share that only moves one way over the life of a mortgage.
For insurance, the practical move is to price the address rather than the village. Insurers underwrite by property, and a postcode carrying a high rating on any indicator can produce a quote that bears no relation to the one your neighbour got. Get an indicative quote before instructing a solicitor, and ask the seller directly about any claims history. Finding out at exchange is an expensive way to learn what the mapping already knew.
At postcode level, folding surface water in alongside rivers and sea, about 25% of the area's postcodes carry a high rating on at least one measure, 21% a medium one, and 71% at least a low one. These bands overlap each other and overlap the zone figures above, so they cannot be added together and do not contradict the zeroes. They describe postcodes, not addresses.
Counted as homes rather than postcodes, the Environment Agency's rivers-and-sea mapping covers 150 properties across the six postcodes here that carry any rating at all. Of those, 29 are rated high risk, 4 medium, 3 low and 2 very low. Ten of the high-risk properties are residential. Postcodes with no risk do not appear in that set, so this is the sharp end of the village rather than the whole of it, which is precisely why it is the number worth carrying to a viewing.
On whether anything stands in the way, the modelled flood extents show no postcodes inside a high-probability extent either defended or undefended, and about 4% inside a low-probability undefended extent. No modelled defence means no defence to fail, and it also means nothing engineered between the water and the property where that extent reaches. Defended, in this data, only ever means a defence exists in the model. It has never meant a house is safe.
The sea is close by any reading. About 79% of the area's postcodes sit within 500 metres of the coast, a threshold the data defines rather than a claim about your address, with the nearest 13 metres away and the middle of the range around 320 metres. Every postcode here falls under a shoreline management plan, and the stated policy is to hold the line over the next twenty and fifty years, shifting to managed realignment at the hundred-year horizon. A policy is a statement of intent about maintaining defences. It is not masonry, and it is not a promise.
At the nearest tide gauge, at Devonport, sea level rose by about 2.4 millimetres a year across the 1962 to 2015 record. That is a measured historic rate over that period, not a forecast for this coastline.
No historic flooding is recorded for the area. That is genuinely reassuring and worth weighing, though a clean record means nothing has been logged rather than nothing has ever happened.
Flood risk is one of the weaker parts of the case for Gorran Haven, and it is weak in the way that costs money quietly: not a river on a map, but a quarter of the postcodes flagged and 29 properties rated high. Buy here on the strength of the empty flood-zone column and you have read the reassuring page and skipped the rest.