Mostly no, but the village is named after two river crossings, and the rivers are still there. Hardly any of it sits in the highest-risk river zone. About one postcode in seven rates high on at least one flood measure once rainwater is counted. The last recorded river flood was decades ago. Low risk still means some homes are at risk, and the Loddon has not gone anywhere.
On the Environment Agency's river-and-sea flood maps, about 3% of Twyford's postcodes sit in Flood Zone 2, the medium-probability band, and under 1% sit in Flood Zone 3, the highest band. The two are separate bands. Zone 2 is the fringe beyond Zone 3, not a larger area that contains it. The agency's records hold 10 flood events for the area, the most recent in December 1991, when a main river overflowed its channel where there were no raised defences. About 3% of the area falls inside recorded historic flood outlines. The village's name comes from two fords over branches of the River Loddon, and the river has flooded here before.
Surface water is a separate risk from the river. It comes from heavy rain that the ground and drains cannot take away fast enough, and it can reach streets well away from any river. The river-and-sea zones above do not show it at all. A home can sit well outside Zone 2 and still collect water in a summer downpour. Anyone buying on a low spot or at the bottom of a slope should check the surface-water map for the exact address, not the flood zone.
The Environment Agency's climate-change allowance widens the flood zones to about 4% of postcodes. That is a modelled look ahead, not a forecast, and on that model the change is small. It still means more homes counting as at risk than today.
The insurance market prices flood risk house by house, not village by village. A home in one of the zoned postcodes, or with a recorded flood on its history, can expect more questions from insurers and a higher premium. A home on higher ground will usually see little difference. Get a quote for the exact address before paying for the survey, not after.
A wider measure counts every postcode that rates on at least one flood indicator, with surface water included alongside rivers and sea. On that basis about 14% of Twyford's postcodes rate high on at least one measure, about 10% medium and about 27% low. These bands overlap with the flood-zone figures above and use a different method, so the two sets of numbers should not be added together or read as the same thing. It is also the measure that catches rain, which the zone map never did.
Counting homes rather than postcodes gives a sharper picture. The Environment Agency's river-and-sea mapping lists 12 Twyford postcodes carrying some risk, covering 284 properties. Of those, 23 are at high risk, none at medium and 71 at low. All 23 high-risk properties are homes. Postcodes with no river or sea risk do not appear in this count at all, so it describes the at-risk streets, not the whole village.
Defences are not a reason to relax. About 1% of postcodes sit inside the high-risk river extent with no defence in the model, and about 1% sit inside it with a defence present. "Defended" means only that the model includes a defence. It does not mean the home stays dry. That is a question for the defence's condition and the next storm, not the map.
Sea level is not a concern for a Thames Valley village this far inland. The nearest tide gauge, at Portsmouth, recorded sea level rising by about 2 millimetres a year over its record from 1962 to 2023. That is a measured historical rate at the coast, not a forecast for Twyford.
Twyford's flood risk is middling. Most homes are clear, but a few dozen near the river are not, and those need checking address by address.