Not from the river, which is the answer most buyers here are actually after. None of the village sits in the river and sea flood zones. Adding the climate allowance changes nothing. What risk exists is rainwater finding the low ground, and about one postcode in eight rates high on at least one measure. The flood problem in Tregony, such as it is, arrives from the sky rather than up the valley.
Start with the mapping that mortgage lenders and insurers reach for first. The Environment Agency puts 0% of the village's postcodes in flood zone 3 and 0% in flood zone 2. Those are exclusive bands rather than nested ones, zone 3 being the higher-probability core and zone 2 the medium-probability fringe outside it, so a zero in both means the modelling does not place any part of this place within the extent of river or tidal flooding. For a village that sits on the east bank of the Fal, that is a better result than the geography suggests.
Which leaves surface water, and surface water is the risk that does not show up in the zones. Rain landing on sloping ground, running off fields and roads, arriving at whatever sits at the bottom of the hill: that is the mechanism in play here, and it is the one a river map will never warn you about. The broader indicators pick it up, and they pick up enough of it to be worth a walk around the plot on a wet day before you commit to anything.
Looking forward, the Environment Agency's climate-adjusted zone share is also 0%, meaning the allowance for future sea level and rainfall does not pull any of this village's postcodes into the river and sea zones either. That is a modelled projection rather than a promise, but it is the same projection the professionals use.
For insurance, the practical effect is that Tregony should be an easy quote rather than a hard one. A property outside the river and sea zones does not attract the loadings, excesses and refusals that flood-zone addresses collect, and most insurers price from exactly these datasets. Where surface water risk sits against a specific address, the underwriter may want more detail, so get an indicative quote on the actual postcode before instructing a solicitor rather than assuming the village-wide picture applies to the house at the bottom of the slope.
The postcode-level view folds everything together. Across the 25 postcodes here, 12% carry a high rating on at least one flood measure, 4% medium and 16% low, with the remainder showing nothing at all. These bands include surface water alongside rivers and sea and overlap with the zone figures rather than sitting alongside them, so they cannot be added together. Read it as a map of where the wet ground is, not a second helping of the river risk.
On defences, the modelled high-risk extents show 0% of postcodes inside them undefended and 0% inside them defended, which is to say the question does not arise because nothing here falls within the extents in the first place. Where a defence does appear in that model elsewhere, the word means a structure exists, not that the property behind it is safe.
The coast sits about 3.7 kilometres away at the closest point, and every postcode here falls within a shoreline management plan whose stated policy at twenty, fifty and one hundred years is no active intervention. That means no commitment to build or maintain defences along that stretch. It is a statement of intent about a coastline this village does not sit on, and it should be read as context rather than a threat to the house.
At Devonport, the nearest long-record tide gauge, sea level rose at about 2.35 millimetres a year over the period from 1962 to 2015. That is a measured historic rate across that record, not a forecast of what comes next.
No historic flooding is recorded for this area, which is genuinely reassuring and not quite the same as proof. Records begin when someone starts keeping them, and a village whose first documented spelling dates to 1049 has had several centuries of weather nobody wrote down.
Flooding here lands in the middle: clean on the river and sea mapping, less clean once the rainwater indicators come in, and worth checking street by street rather than trusting the village-wide verdict.