Overland Flow Path
The natural or engineered route that stormwater follows over land during heavy rainfall when drainage systems are overwhelmed.
What is a Overland Flow Path?
An overland flow path is the route that rainwater takes across the ground surface when it rains harder than the piped stormwater system can handle. Every property sits within a catchment, and water naturally flows downhill through these paths towards streams, rivers, or the coast.
In urban areas, councils map overland flow paths as part of their stormwater management planning. Properties located on or near an overland flow path may experience surface flooding during heavy rain events โ even if they're not in a mapped flood zone. This is different from river flooding; overland flow flooding can occur quickly during intense rainfall.
Councils typically impose restrictions on building within overland flow paths. You may not be able to build fences, walls, or structures that would obstruct the flow of water. Existing buildings on flow paths may experience regular surface water entering garages, basements, or ground-floor living areas during storms.
Why It Matters for Due Diligence
Properties on overland flow paths can experience repeated surface flooding during heavy rainfall, even in areas not mapped as flood zones. This can damage property, disrupt daily life, and affect insurance premiums. It's a risk that many buyers overlook because it's not as obvious as river flooding.
Check the LIM report and council stormwater maps for overland flow paths. If the property is on or near a flow path, inspect it during or after heavy rain to see how water moves across the site. Consider whether ground-floor rooms, garages, or driveways are vulnerable.
How to Check
The LIM report will typically note whether the property is affected by a mapped overland flow path. Council GIS mapping portals often show stormwater overland flow paths. You can also ask the council's stormwater team for specific information about flow paths affecting a property. A practical check is to visit the property during or immediately after heavy rain.
Frequently Asked Questions
Can I block an overland flow path on my property?
Generally no. Councils prohibit or restrict structures that obstruct overland flow paths because diverting water can cause flooding on neighbouring properties. Fences in flow path areas may need to be permeable (e.g. pool-style fencing). Any building work near a flow path may require specific stormwater management conditions.
Is overland flow path flooding covered by insurance?
It depends on your policy. Most home insurance covers sudden storm damage, but repeated surface water ingress may be considered a maintenance issue rather than an insurable event. Check your policy wording carefully, and disclose the overland flow path status to your insurer to ensure you're properly covered.
Related Terms
Flood Zone
GlossaryAn area identified by the local council or regional authority as being at risk of flooding, based on historical data and modelling.
LIM Report
GlossaryA Land Information Memorandum โ an official council report summarising everything the council knows about a property.
Resource Consent
GlossaryPermission from the local council to carry out an activity that affects the environment, required under the Resource Management Act 1991.
Land Instability
GlossaryThe risk of ground movement including landslides, slope failure, subsidence, and land slippage that can damage buildings and infrastructure.
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