Mostly no, with one asterisk that has nothing to do with rivers. No homes in Pucklechurch sit in the recognised river or sea flood zones. The threat that does exist is surface water, the rain that falls faster than the ground and the drains can swallow it. About one in seven postcodes carry some high surface-water risk. The rest run from a little exposure down to none, so this is a village that stays dry in the ordinary sense and only gets tested by the occasional cloudburst.
On river and sea flooding the picture is as clean as it comes. Sitting on a ridge above the valleys rather than down in them, the village records no properties in flood zone two, the wider floodplain, and none in flood zone three, the higher-probability zone. There is no tidal reach up here and no watercourse big enough to threaten the streets. For the kind of flooding that makes the regional news and puts sandbags across front doors, Pucklechurch is not in the firing line.
Surface water is the honest caveat. When heavy rain arrives quickly, low points and hard ground can pond up regardless of how high the village sits, and that is where the local risk lives. Around one in seven postcodes have some high surface-water risk, roughly one in six carry a medium level, and something over a third have at least a low level of it. That does not mean those homes flood, only that the water has somewhere it prefers to gather when the sky opens. It is a drainage and downpour story, not a burst-river one, and it turns on the particular slope and gully your address happens to sit on.
Looking forward with the climate allowance added, the river and sea position does not worsen. Even under the modelled future scenario that assumes wetter, heavier weather, no Pucklechurch homes are pushed into the mapped flood zones. The village keeps its height advantage as rainfall patterns shift, which is more than a lot of low-lying places can say about the decades ahead.
For insurance, the takeaway is measured rather than alarming. A property with no river or sea flood-zone flag is a straightforward proposition for most insurers, and cover on the bulk of the village should behave like cover anywhere unremarkable. Where a specific home carries a surface-water flag, an insurer may reflect that in the premium or the excess, so the sensible step is to get a quote against the exact address rather than the village average, and to ask the seller whether the property has ever taken water in a storm.
The verdict is reassuring with a footnote. Pucklechurch is not a flooding village in any meaningful river or coastal sense, now or under the climate projections, and the only live question is surface water on a minority of postcodes when the rain comes down hard and fast. Check the drainage on your particular street, and the risk drops from a worry to a known quantity.