Cumberland, Moorclose
CA14 5QA in Moorclose has a High flood risk - EA NaFRA2 data records 12 properties at high flood risk. Heat risk is Lower, with a median (50th percentile) of 7 days above 25°C per year, averaged over the 2021-2040 period under the RCP8.5 high emissions scenario (Met Office UKCP18). Air quality is Low at PM2.5 4.4 μg/m³, within the WHO annual guideline of 5 μg/m³ (Defra UK-AIR). Ground conditions are Low risk, with Glaciofluvial Deposits geology; shrink-swell risk is classed as improbable (BGS GeoSure).
National comparison
Flood risk at CA14 5QA is rated High, based on Environment Agency NaFRA2 modelling.
Air quality at CA14 5QA is rated Low, based on Defra UK-AIR annual mean PM2.5 data. Fine particulate matter (PM2.5) comes primarily from road traffic, industry, and domestic burning. Long-term exposure above the WHO guideline of 5 µg/m³ is linked to respiratory and cardiovascular health risks. Buyers and renters in higher air quality risk areas may wish to consider whether the property is near busy roads or industrial sources.
BGS GeoSure data classes the underlying soil at CA14 5QA as Glaciofluvial Deposits, with shrink-swell hazard rated improbable (subsidence risk band: Low). Soil type and shrink-swell behaviour drive subsidence claims following dry summers; recent ABI data shows insurer payouts rose sharply after the 2022 and 2025 hot summers. A structural survey is the reliable way to assess ground risk for a specific property.
The nearest projected coastal erosion zone to CA14 5QA is 159 m away (Erosion projected by 2055 (no climate change uplift) - SMP policy: Hold The Line mapping) and the postcode is in the very high coastal erosion risk band. Coastal erosion risk varies along the shoreline depending on local geology, sea defences and Shoreline Management Plan policy. For properties near the coast, a specialist coastal erosion risk assessment is recommended.
This LocalRisk report for CA14 5QA draws on four official UK open data sources: Environment Agency NaFRA2 flood modelling, Met Office UKCP18 climate projections, Defra UK-AIR PM2.5 monitoring, and British Geological Survey GeoSure subsidence mapping. Risk ratings are a screening tool, complementing - not replacing - the searches and surveys ordered as part of a property transaction. Data covers Cumberland and is updated as new official datasets are published.
Cumberland has a largely rural and upland setting with lakes, river valleys and dispersed settlements and experiences cool, wet winters and mild summers, influenced by Atlantic weather and mountainous terrain.
Environment Agency flood zone data places CA14 5QA in the high flood risk band. EA NaFRA2 data shows 12 at high risk, 14 at medium risk, 4 at low risk in this postcode. The band reflects the highest flood risk within the postcode; some properties within this postcode may face little or no direct flood risk. A formal flood risk search and review of buildings insurance availability is recommended before any property transaction in this area.
Practical check: EA flags 30 properties at flood risk here, near the coast - compare the floor level to the highest recorded tide line and check for flood resilience measures. The nearest projected erosion zone is 159m away - check the Shoreline Management Plan policy for this stretch and whether the property is within 100 years of the erosion line. These are postcode-level indicators - conditions vary between individual properties.