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Convective rainfall + saturated ground. Minutes-to-hours response time.
Context
Flash floods are localised, fast, and lethal. The UK gets them most often during summer convective events when 50+ mm of rain falls in under an hour over a small catchment. Surface water — streets, drains, low-lying carparks — usually causes more damage than river overtopping in flash events.
When this matters
Met Office heavy rain warning (yellow+), or you can see torrential rainfall from a stationary thunderstorm cell.
Before
During
After
UK specifics — numbers, sources
General guidance. Your specific circumstances may vary — follow the Met Office, Environment Agency / SEPA / NRW, your local council, and emergency services for situation-specific direction. See the code of conduct for chasers in the field.