Northumberland flood risk 2026
Gera Flood Exposure Score & home insurance context
What is the flood risk in Northumberland?
Northumberland has a Gera Flood Exposure Score of 4/10 (Moderate), based on 81 Environment Agency flood warning areas attributed to the county. The GFES is a 1–10 index of EA flood warning area density per English county, from the EA Flood Monitoring API (OGL v3.0), as of June 2026.
| Metric | Value |
|---|---|
| Gera Flood Exposure Score (GFES) | 4 / 10 |
| Risk band | Moderate |
| EA flood warning areas | 81 |
| EA operational region | Cumbria and Lancashire |
| National rank | 24 of 151 counties |
| Data as of | June 2026 |
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Compare Northumberland to any other English county, or recalculate for a different area.
Gera Flood Exposure Score (GFES)
4 / 10
Moderate flood exposure
Northumberland — flood risk summary
- EA Flood Warning Areas
- 81
- EA Region
- Cumbria and Lancashire
- GFES / 10
- 4
- Risk band
- Moderate
What this means for your home insurance
Northumberland has a Moderate GFES (4/10). Some areas within the county carry elevated flood risk. The GFES covers the whole county — your individual property risk may be higher or lower.
Source: Environment Agency Flood Monitoring API (OGL v3.0), June 2026. The GFES measures EA flood warning area density per county — see full methodology.
Frequently asked questions
- What is the flood risk in Northumberland?
- Northumberland has a Gera Flood Exposure Score (GFES) of 4/10 — rated Moderate. The score is based on 81 EA flood warning areas in the county (Environment Agency Flood Monitoring API, OGL v3.0, June 2026). A score of 10 is the highest in England (North Yorkshire).
- How many EA flood warning areas does Northumberland have?
- As of June 2026, the Environment Agency has designated 81 flood warning areas attributed to Northumberland. These are the zones the EA monitors for river and sea flooding risk. The data comes from the EA Flood Monitoring API (OGL v3.0).
- Will my home insurance be affected by flood risk in Northumberland?
- A GFES of 4/10 in Northumberland indicates moderate flood exposure. Insurers factor flood zone classification and proximity to water into home insurance pricing. The GFES is a county-level index — your individual property risk may differ. Check your specific address via the free EA Long Term Flood Risk service before comparing quotes.
- Which EA region covers Northumberland?
- Northumberland falls primarily within the Cumbria and Lancashire Environment Agency operational area. EA regions manage flood monitoring, alerting, and risk management for their geography.
- How does Northumberland compare to other counties?
- Northumberland ranks 24 of 151 counties by GFES. The highest-scoring county in England is North Yorkshire (GFES 10/10, 238 EA flood areas). Compare all counties at gerasure.com/flood-risk-by-area.
Counties with similar flood exposure
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Contains public sector information published by Environment Agency and licensed under the Open Government Licence v3.0. Source: Environment Agency Flood Monitoring API — Flood Warning Areas (June 2026, published 20 June 2026).
The GFES is a county-level density index — it does not replace an individual property risk check. Use the free EA Long Term Flood Risk service for property-level assessment. See full methodology.