Surface flooding
In prolonged, exceptionally heavy downpours (that unfortunately are becoming more frequent), the ground may become saturated and the drains and sewers which carry away surface water may not be able to cope, leading to surface water flooding.
Although this is more likely in low-lying areas, and to premises at the foot of slopes, it can happen to many other properties which are not specifically designated as being at risk of flooding on the Environment Agency’s flood risk maps.
Surface water flooding may be triggered or made worse in urban areas where the ground consists of mostly hard surfaces such as concrete or tarmac, as the rainwater flows straight off, rather than soaking into the ground