Yes, and the risk comes from rain rather than rivers. Almost nothing here sits in a river or sea flood zone. About a third of postcodes still rate high on at least one flood measure. That measure counts surface water, the run-off after a heavy downpour. The village is high and dry on the river maps and damp on the rainfall ones.
On the Environment Agency's river-and-sea flood maps, none of Innsworth's postcodes fall in flood zone 3, the highest-probability band, and under 1% fall in flood zone 2, the medium-probability fringe beyond it. The agency's own property count finds no homes at high or medium risk from rivers or the sea. Whatever has shaped Innsworth, a riverbank was no part of it.
Surface water is the other story. This is the flooding that happens when rain falls faster than drains and soil can take it, pooling in dips, roads and gardens with no river anywhere nearby. It is patchy by nature, decided by the fall of a road and the size of a drain, so two houses in the same close can sit on opposite sides of it. Look up the exact address on the Environment Agency's surface-water map and compare it with the house next door, since the difference can be a few metres of slope.
The Environment Agency's climate-adjusted river-and-sea zone covers under 1% of postcodes. That is a modelled view of how the zone grows with a changing climate, and it barely moves the picture here. Rivers stay a minor worry on every version of the map.
For insurance, a home outside the river and sea zones still gets asked about surface water, and in Innsworth that is the question that decides the quote. A clean answer on river flooding is a useful start for an underwriter and only half of what they will look up.
Counting postcodes that rate high on any one of several flood measures, surface water included, about 32% of Innsworth's are high, about 32% medium and about 63% low. A postcode only needs one measure at the given level to count, so the bands overlap and a single postcode can appear in more than one of them. That is a wider net than the river zones, and it explains why the two measures tell such different stories about the same streets.
In the Environment Agency's modelled flood extents, no postcodes sit inside the high-risk extent, defended or undefended, and about 0.4% sit inside the low-risk undefended extent. With nothing in the high-risk extent there is no defence question to ask here, and even where the model shows a defence, its presence in the model says nothing about whether a particular house stays dry.
The nearest shoreline is about 2.3 kilometres away at its closest, and its shoreline management plan sets a policy of holding the line, keeping the defences where they are, over the next 20, 50 and 100 years. That is a stated intention for each period, it depends on money nobody has yet committed, and it says nothing about what defences stand there today. At this distance it is background rather than the main event.
The nearest tide gauge with a long record is at Portsmouth, which measured sea level rising by about 2 millimetres a year between 1962 and 2023. That is what the gauge recorded over those years, at a coast a long way from Innsworth.
There is no recorded history of flooding in the area. That is reassuring, and it means only that nothing was mapped, which for rain running down a road is a lower bar than it sounds.
Flood risk is one of Innsworth's weaker points, because surface water reaches a large share of its postcodes even though the rivers leave it alone. A buyer here needs the street-level surface-water picture for the exact house, because the river maps will give the wrong comfort.