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Home insurance on prospective property

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Just had back our local searches and the flood risk for surface water is "signifcant", looking at the map this appears to be 1 tiny little square right at the back of the garden and well clear of the house which has a negligible flood risk.

I have run some insurance quotes and nothing look out of the ordinary, is this likely to bit me in the !!!!!! in the future? it seems silly to label the entire property at "significant" surface water flood risk over such a tiny isolated area.

Thoughts?
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