Photo: 93gregsonl · Public domainIn Banks, heavy rain puts more homes at risk than rivers or the sea: 6.9%, against 0.9%
On the Environment Agency’s maps, which allow for flood defences, “high or medium” means at least a 1 in 100 chance of flooding from rivers or the sea in any year. Banks grades C for hazard risk: #29 of 65 in Lancashire.
What stands out about Banks’s hazards
From the Environment Agency’s maps and records and the BGS radon atlas, below.
What Banks faces
Each hazard against its own yardstick; meters run from low to high on that yardstick.
Rivers and the sea
Surface water
Past floods
Flood warnings
Radon
Banks grades C for hazard risk
Flood risk from rivers and the sea, against all UK towns.
The share of homes at high or medium risk from rivers and the sea, ranked against every UK town of 1,000 or more: fewer homes at risk is better. Towns with none at high or medium risk are ordered by their share at low risk, so they don’t all share one score. Surface water and radon aren’t graded: they are described below.
Where the water goes in Banks
Turn layers on and off. Blue is the risk from rivers and the sea; pink is where heavy rain collects. Both allow for flood defences.
The river and sea risk follows the Irish Sea, the Crossens and the Ribble Estuary. Surface-water risk is spread across the town, in dips, underpasses and along small streams, which is why more homes are exposed to it.
0.9% of Banks’s homes are at high or medium risk from rivers or the sea
The Environment Agency’s national map, allowing for defences. A further 2.6% are at low risk.
Share of each UK town’s homes at high or medium risk from rivers and the sea. 35% of UK towns have none; Banks has more than 66% of towns.
| # | Town | People | High or med. | |
|---|---|---|---|---|
| 1 | Leiston Suffolk | 5,919 | 0% | |
| 2 | Finningley South Yorkshire | 5,919 | 0% | |
| 3 | West Hallam Derbyshire | 5,912 | 0% | |
| … | ||||
| 432 | Midhurst West Sussex | 5,366 | 0.8% | |
| 433 | Ystradgynlais Powys | 4,032 | 0.9% | |
| 434 | Banks Lancashire | 4,439 | 0.9% | |
| 435 | Bramley Hampshire | 4,730 | 0.9% | |
| 436 | New Tredegar Gwent | 3,280 | 0.9% | |
| … | ||||
| 694 | Chapel St Leonards Lincolnshire | 3,435 | 66% | |
| 695 | Gilberdyke East Riding of Yorkshire | 3,028 | 70% | |
UK towns of 3,000 to 6,000 people.
The Environment Agency’s Risk of Flooding from Rivers and Sea (NaFRA2, June 2026) counts each postcode’s homes by band; the shares weight those postcodes by Census 2021 households. The EA counts include homes built since 2021.
Heavy rain puts about 7.9 times as many Banks homes at risk as rivers and the sea do
Surface water is rain that falls faster than drains and the ground can take it. It is mapped separately from rivers and the sea, and it is not in the Hazard risk Grade.
About 3.8% of homes are at high risk of surface-water flooding (a 1 in 30 chance or more each year) and 3.1% at medium risk: roughly 140 households. A further 5.6% face a low risk from surface water. That is more than 83% of UK towns.
Our estimate: every address in the town (ONS NSUL) read on the Environment Agency’s Risk of Flooding from Surface Water map (NaFRA2, 2025), each postcode’s share weighted by its Census 2021 households. Neither agency publishes a count of homes for surface water, so treat it as a guide; one street can differ from the next.
Banks has flooded in 1 recorded year since 2017
Every flood the Environment Agency has mapped inside Banks’s built-up area, newest first. The record is fullest for big river floods; small and surface-water floods are often missing.
- 2017November 2017: River flooding recordedUnder 1 hectare inside today’s built-up area · Gravel Lane
No flood warning or alert is in force for Banks · 0 warnings in 20 years
The Environment Agency has 1 flood warning area and 2 alert areas reaching into the town; warnings since the service began in 2006.
None of Banks’s 1 flood warning area has had a flood warning since the service began in 2006.
Show the 3 warning and alert areas
| Area | Kind | Since 2006 | Now |
|---|---|---|---|
| Lancashire coastline at Banks, between Banks Marsh and Churchtown Moss | Warning area | 0 | None |
| Crossens area in west Lancashire | Alert area | 13 | None |
| Coast from Southport to Formby | Alert area | 8 | None |
Environment Agency Historic Flood Warnings (first issues only, not updates; “flood watch” counted as an alert before 2011) and the real-time flood-monitoring API. Sign up for free warnings on GOV.UK or call Floodline, 0345 988 1188.
Banks is in the lowest radon band
Radon is a natural radioactive gas from the ground; long exposure raises the risk of lung cancer. The atlas gives the chance that a home in each 1 km square is above the UK action level (200 Bq/m³).
Every 1 km square over Banks is in the lowest band: fewer than 1 in 100 homes are expected to be above the action level.
BGS/UKHSA Indicative Atlas of Radon in Great Britain, version 3. Check an address at UKradon.org.
Flood risk in the places around Banks
Share of homes at high or medium and at low risk from rivers and the sea. Tap a town for its page.
| Town | People | High or medium | Low | Hazard |
|---|---|---|---|---|
| Banks | 4,439 | 0.9% | 2.6% | C |
| Tarleton and Hesketh Bank | 8,756 | 0.3% | 1.5% | B− |
| Southport | 94,438 | under 0.1% | under 0.1% | B |
| Rufford | 1,562 | 7.8% | 35% | D |
| Warton (Fylde) | 4,180 | under 0.1% | under 0.1% | B |
| Freckleton | 4,478 | 2.3% | 2.1% | C− |
| Croston | 2,793 | 6.5% | 22% | D |
| Lytham St Anne's | 42,693 | 0.6% | 0.7% | C+ |
Rufford, 5 miles south-east, has the most homes at risk around Banks (7.8% at high or medium).
Get ready for what Banks faces
Free warnings, what to do in a cloudburst, and what to check before you move.
- Sign up free for Environment Agency flood warnings by text, call or email.
- Floodline: 0345 988 1188, 24 hours.
- Banks’s warning areas include Lancashire coastline at Banks, between Banks Marsh and Churchtown Moss.
- Surface water rises in minutes, often with no warning issued: stay out of underpasses and dips.
- Keep the gullies and drains outside your home clear of leaves.
- Report a blocked road drain to the council.
- Never walk or drive through floodwater: 30 cm of moving water can float a car.
- Move valuables, papers and medicines upstairs.
- Turn off gas, electricity and water if you’re told to.
- Check the address on GOV.UK’s long-term flood risk service: it gives rivers and sea and surface water separately.
- Ask whether the home has flooded or had a flood insurance claim; the TA6 property form asks the seller.
- Homes built before 2009 can get flood cover through Flood Re, the government-backed scheme; newer homes can’t.
What this data can and can’t tell you
- Defences are counted. Both agencies’ maps allow for flood defences and the chance they are overtopped or fail, so a town behind a defence scheme can show few homes at high risk and many at low risk.
- Surface water is our estimate. Neither agency publishes a count of homes at risk from surface water, so we read each address on the map. A flat on a hill and a basement in a dip can share a postcode.
- Past floods are what was recorded. The flood outlines come from surveys, aerial photographs and reports; many small floods, and most surface-water floods, were never mapped.
- One town, many streets. Risk is street by street. Check a specific address on GOV.UK’s long-term flood risk service before you buy or rent.
Questions about flooding and hazards in Banks
Does Banks flood?
The last flood the Environment Agency recorded inside the town was in November 2017. 0.9% of homes are at high or medium risk from rivers and the sea on the Environment Agency’s maps, which allow for flood defences. About 6.9% of homes are at high or medium risk from surface water, when heavy rain overwhelms the drains. Banks grades C for hazard risk against UK towns.
Which parts of Banks are at risk of flooding?
From rivers and the sea, the places the Environment Agency warns directly: Lancashire coastline at Banks, between Banks Marsh and Churchtown Moss. Surface water can collect in low spots anywhere in the town. Check a specific address on GOV.UK’s long-term flood risk service.
When did Banks last flood?
The recorded flood outlines inside the town run from 2017 to 2017 (1 years); the largest was in 2017.
Is Banks at risk of surface water flooding?
About 3.8% of homes are at high risk and 3.1% at medium risk from surface water, against 0.9% at high or medium risk from rivers and the sea. Surface water floods come with little warning, and the agencies don’t issue warnings for them.
Is radon a problem in Banks?
Not by the atlas: every 1 km square over Banks is in the lowest band, where fewer than 1 in 100 homes are expected to be above the action level.
Are there flood warnings in Banks now?
No flood warning or alert was in force near Banks at 8 November 2026, 18:45. Live warnings are on GOV.UK’s Check for flooding service and Floodline, 0345 988 1188.
Contains Environment Agency information © Environment Agency and/or database right 2026. Contains British Geological Survey materials © UKRI 2026.
Sources: Environment Agency Risk of Flooding from Rivers and Sea, postcodes in areas at risk (June 2026); Natural Resources Wales Flood Risk Assessment Wales (May 2026); ONS Census 2021 households by postcode · Environment Agency Risk of Flooding from Surface Water (NaFRA2, 2025) and Natural Resources Wales Flood Risk Assessment Wales surface water and small watercourses, read at every address (ONS National Statistics UPRN Lookup, September 2026) and weighted by Census 2021 households by postcode · Environment Agency Recorded Flood Outlines and Natural Resources Wales historic flood map, inside the ONS 2022 built-up-area boundary · Environment Agency real-time flood-monitoring API · Environment Agency Historic Flood Warnings (January 2006 to June 2026) and flood warning and alert areas · BGS/UKHSA Indicative Atlas of Radon in Great Britain, version 3, by 1 km square · TownRatings grades: our own summary of the data, ranked against UK towns only. All under the Open Government Licence v3.0.
Contains public sector information licensed under the Open Government Licence v3.0. Contains HM Land Registry data © Crown copyright and database right 2026. Contains OS data © Crown copyright and database right 2026 (ONS boundaries). Northern Ireland: Source: NISRA; contains Land & Property Services data and Ordnance Survey of Northern Ireland information, © Crown copyright, licensed under the Open Government Licence v3.0. Scotland: contains National Records of Scotland data, Registers of Scotland data and SEPA data, © Crown copyright / © SEPA 2025, licensed under the Open Government Licence v3.0.