A plot in a floodplain – is it worth buying?

Plots located in floodplains are properties that require special attention from potential buyers. Are you considering buying a plot of land in this type of area and are not sure what decision to make? You need to familiarize yourself with the risk assessment of the investment. See our practical guide and see if it is worth building in a floodplain.

Table of contents

• Is it possible to build on a floodplain?
• Plot in a floodplain. What are the biggest threats?
• Is it worth building in a floodplain?

Is it possible to build on a floodplain?

The term “floodplain” refers to an area that is prone to flooding during rapid rises in water levels. It is usually located close to rivers, streams, lakes or other watercourses, where the law imposes special restrictions on the way the land is developed.

According to the provisions of the construction law, development in floodplains in Poland is strictly regulated. In most cases, residential and industrial development is prohibited or subject to strict restrictions aimed at minimizing flood risk and flood protection.

Plot in a floodplain. What are the biggest threats?

Plots of land in floodplains carry the risk of flooding in the event of a sudden increase in water levels, which can lead to significant material losses. Such a property may also be more difficult to insure, and the effects of flooding – difficult to control and reverse.

An additional aspect is the changing legal regulations on flood protection, which may affect the value of the investment and the possibility of its use. If you want this type of investment, you must be aware that although the price of a plot in a flood area may initially be attractive, the costs associated with flood risk and legal and construction requirements can significantly affect the final cost of owning and operating the property.

Is it worth building in a floodplain?

Buying a plot of land in a floodplain can be cheaper compared to other locations, due to the risks associated with its use and restrictions in spatial development. However, remember to take into account the following during the financial analysis:

• costs related to flood protection,
• real estate insurance,
• costs associated with potential losses in the event of flooding.

Before you decide to buy a plot of land in a floodplain, make an appointment for a consultation with a lawyer specializing in real estate law and flood protection regulations. You must read in detail the local spatial development plan, which specifies the permissible forms of development and other restrictions in a given area.

It is also worth obtaining information from local administrative authorities and environmental protection agencies to understand the full range of legal and technical requirements for the purchase and use of a floodplain plot.

Despite the potential difficulties, plots in floodplains can be attractive investments for those looking for unique locations and contact with nature. However, the most important thing is to obtain the appropriate permits and comply with the regulations to minimize the risk and ensure the safety of the investment – also in terms of the selection of appropriate, certified building materials.

Are you interested in construction investments? Be sure to familiarize yourself with our offer regarding the construction and consulting in the field of energy-efficient houses.