Here is a youtube video of the River Medway flood in and around Maidstone, Kent on Christmas Day 2013.
You should inform your insurer if your property is less than 400 metres from a lake, reservoir, river or seafront or in a known flood risk area or in an area that has been affected by flooding.
If you aren’t sure about what to disclose with regard to flood insurance, ask an independent insurance broker for advice.
You can check the current flood risk information for your area on the Environment Agency’s website. Just type in your postcode or location.
You can register your home or business with the Environment Agency to receive flood warnings by telephone.