Wirral, Hoylake (CH47)
CH47 1HD in Hoylake (CH47) has a High flood risk - EA NaFRA2 data records 1 property at high flood risk. Heat risk is Lower, with a median (50th percentile) of 14 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 5.9 μg/m³, above the WHO annual guideline of 5 μg/m³ (Defra UK-AIR). Ground conditions are Low risk, with Eolian Sand geology; shrink-swell risk is classed as improbable (BGS GeoClimate).
Flood risk at CH47 1HD is rated High, based on Environment Agency NaFRA2 modelling.
Environment Agency flood zone data places CH47 1HD in the high flood risk band. EA NaFRA2 data shows 1 at high 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.
Air quality at CH47 1HD 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.
British Geological Survey data classes the underlying soil at CH47 1HD as Eolian Sand, with shrink-swell hazard rated improbable (subsidence risk band: Low). A structural survey is the reliable way to assess ground conditions for a specific property.
The nearest projected coastal erosion zone to CH47 1HD is 88 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. Check the Shoreline Management Plan for this stretch for the projections that apply to a specific property.
This LocalRisk report for CH47 1HD 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 GeoClimate subsidence mapping. Risk ratings are a screening tool, complementing - not replacing - the searches and surveys ordered as part of a property transaction. Data covers Wirral and is updated as new official datasets are published.
Wirral has a coastal and suburban peninsula setting between the Mersey and Dee estuaries with low-lying land and dense settlements and experiences cool, wet winters and mild summers, influenced by Irish Sea exposure and flat terrain.
Practical check: EA flags 1 property 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 88m 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.
Climate risk can change street by street, so it is worth checking neighbouring postcodes too. The full risk report for CH47 0JY is at localrisk.co.uk/postcode/CH470JY, and you can compare CH47 1HD side by side with any UK postcode at localrisk.co.uk/compare.