u/DiabeetusDeletus

Hi. My partner and I are looking at buying our first house. Unfortunately, a lot of the houses we've been looking at are in a town that tends to flood. The houses are in a designated "flood zone," but they have never actually flooded historically. Even in the recent floods, they were absolutely fine.

Obviously, I know that doesn't mean they won't flood in the future, but it does make us more willing to buy even if we can't get flood insurance.

We're looking for an insurer that will still insure us based on historic data from the area or a mortgage provider that will still give us a mortgage without flood insurance.

We're currently approved by AIB, but they apparently won't lend out unless we have insurance.

Just to add, we know the better option is to not buy in a flood zone. However, we want to live in our home town near our parents. Basically, the whole town is in a flood zone, unfortunately.

Any help would be much appreciated!

Hi. My partner and I are looking at buying our first house. Unfortunately, a lot of the houses we've been looking at are in a town that tends to flood. The houses are in a designated "flood zone," but they have never actually flooded historically. Even in the recent floods, they were absolutely fine.

Obviously, I know that doesn't mean they won't flood in the future, but it does make us more willing to buy even if we can't get flood insurance.

We're looking for an insurer that will still insure us based on historic data from the area or a mortgage provider that will still give us a mortgage without flood insurance.

We're currently approved by AIB, but they apparently won't lend out unless we have insurance.

Just to add, we know the better option is to not buy in a flood zone. However, we want to live in our home town near our parents. Basically, the whole town is in a flood zone, unfortunately.

Any help would be much appreciated!