Check coastal erosion risk by postcode across England, Wales and Scotland. The National Coastal Erosion Risk Mapping (NCERM) programme identifies over 24,000 postcodes within 200m of projected erosion zones. LocalRisk maps erosion risk for coastal areas alongside flood, heat, air quality and subsidence risk.
Coastal erosion is the gradual wearing away of land by wave action, tides and storms. The Environment Agency's NCERM data projects how far the coastline may retreat by 2055 and 2105 under different scenarios.
Yes. Properties close to actively eroding coastlines can lose significant value as the risk becomes better understood. The Law Society's 2025 practice note identifies coastal erosion as a key disclosure risk for conveyancers.
Standard home insurance does not cover gradual coastal erosion. Government-backed sea defences protect many at-risk areas, but their long-term future is not guaranteed under Managed Realignment or No Active Intervention SMP policies.
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