Yes, in the parts of the village that sit at the bottom of the valley. The river-and-sea risk is close to nothing. The rain-off-the-hills risk is the real one, and about a sixth of postcodes flag high on at least one measure. Nothing in the village has a recorded flood against it. The danger here falls out of the sky rather than rising from a river.
On the Environment Agency's river-and-sea mapping, roughly 1% of Lanner's postcodes sit in flood zone 3 and about 2% in flood zone 2. Those two zones are separate bands rather than nested ones: zone 3 is the higher-probability core and zone 2 is the medium-probability fringe beyond it, so the smaller number is not a rounding error. On rivers and sea alone, this is a village that barely appears.
Surface water is the other half of the question, and the brief carries no separate surface-water-only share for Lanner. What it does carry is the combined postcode indicator further down, which folds surface water in with the rest. The geography explains why it matters: the village sits in a valley with hills on three sides and slopes down from Lanner Hill in the west to Lanner Moor in the east. Water that lands on those hills has one direction available to it.
Looking forward, the Environment Agency's climate-adjusted mapping puts about 6% of postcodes inside a flood zone rather than the current 1% and 2%. That is a modelled allowance for a wetter century, not a prediction of any particular winter, but it is the figure a thirty-year mortgage should be read against.
For insurance, the practical effect is that Lanner is not a blanket problem postcode, but it is a place where the answer is address-specific. Insurers price from the individual property, not the village, and surface water is the risk they are most cautious about because it does not follow a river line. Anyone buying here should get an indicative quote before instructing a solicitor rather than after.
Across all measures combined, the postcode indicator picture is this: about 16% of Lanner's postcodes rate high on at least one flood measure, 9% medium and 38% low. That "at least one measure" matters. It includes surface water alongside rivers and sea, it overlaps with the flood zone shares above rather than adding to them, and it is a count of postcodes rather than of homes.
Counted as properties, the Environment Agency's rivers-and-sea mapping lists 110 properties across the postcodes that carry any risk at all, of which 28 are high risk, 2 medium and 9 low. Postcodes with no risk do not appear in that list, so 110 is the at-risk pool rather than the village. Twenty-eight homes is a specific and small number, which is more useful to a buyer than any percentage: the question is whether the house being viewed is one of them.
On modelled flood extents, about 1% of postcodes sit in a high-risk undefended extent and about 1% in a high-risk defended one. Defended means a defence exists in the model, not that the house behind it is safe, and not that the defence is maintained to any particular standard.
Every postcode here falls under a shoreline management plan whose stated policy over the twenty, fifty and hundred-year horizons is managed realignment, which means allowing the coastline to move rather than holding it in place. Lanner sits inland, with its nearest coast about 5.6 kilometres away and a median distance nearer 6.4 kilometres, so this is context rather than a doorstep issue. A policy is an intention to manage, not a guarantee and not a wall.
The nearest tide gauge, at Devonport, recorded sea level rising at roughly 2.35 millimetres a year over its 1962 to 2015 record. That is a measured historic rate at a coastal instrument, not a forecast and not a statement about Lanner.
No historic flooding is recorded across the village's postcodes. That is genuinely reassuring, and it is also a record of what has been logged rather than proof that water has never come through a door here.
Flooding is the weakest thing about Lanner. The river risk is negligible and the recorded history is clean, but a valley with a sixth of its postcodes flagged high on at least one measure is a place where the exact address matters more than the village name.