What causes hard water?
Rainwater starts out soft and slightly acidic. As it soaks into the ground and makes its way through soil and rock, it picks up whatever minerals it encounters. In southeast England, East Anglia, and much of the Midlands, the underground rock is chalk and limestone, both composed largely of calcium carbonate. Slightly acidic rainwater dissolves these rocks over time, loading the groundwater with calcium and magnesium ions before it reaches an aquifer or reservoir.
Scotland, Wales, and northwest England sit on much older, harder geology: granite, gneiss, and other igneous or metamorphic rocks that resist dissolution. Water flowing over granite picks up almost no mineral content, emerging as naturally soft water. The Lake District, Snowdonia, and the Scottish Highlands all have this character. Cornwall, despite being in the far southwest, also produces soft water for the same reason.
The upshot is that hardness in the UK maps almost directly onto the geological map. If you live over chalk downland, your water will be hard. If you live over old upland granite, it will be soft. Mixed geology, like parts of Yorkshire and the Midlands, produces a blend depending on how much groundwater versus surface reservoir water goes into the supply.
What does hard water actually do?
Hard water is not a health risk. The calcium and magnesium it contains contribute to your dietary mineral intake, and the World Health Organisation does not set any health-based guideline limit for hardness. Some studies have found associations between hard water and slightly lower cardiovascular risk, though the evidence is not strong enough to have changed public health advice.
Where hard water matters is in your home. When hard water is heated, or when it evaporates, the dissolved calcium carbonate comes back out of solution and deposits as limescale, the white or off-white crust on heating elements, inside kettles, around taps, and on shower screens. Scale on a heating element acts as an insulator: even 1.6mm of buildup increases energy consumption by around 12%, according to research by the Water Quality Research Foundation. Over years, this adds meaningfully to energy bills and shortens appliance life.
Other effects include: soap and shampoo that lather less effectively (calcium ions react with fatty acids in soap to form scum rather than foam), laundry needing more detergent for the same result, and shower screens and taps that need frequent cleaning. Some people with sensitive skin find very hard water aggravates dryness, though the science on this is mixed.