Coastal flood warning and design of coastal protection schemes rely on accurate estimations of water level and waves during hurricanes and violent storms. These estimations frequently use numerical models, which, for computational reasons, neglect the interaction between the hydrodynamic and wave fields. Here, we show that neglecting such interactions, or local effects of atmospheric forcing, causes large uncertainties, which could have financial and operational consequences because flood warnings are potentially missed or protection schemes underdesigned. Using the Severn Estuary, SW England, we show that exclusion of locally generated winds underestimates high water significant wave height by up to 90.1%, high water level by 1.5%, and hazard proxy (water level + 1/2 significant wave height) by 9.1%. The uncertainty in water level and waves is quantified using a system to model tide-surge-wave conditions, Delft3D-FLOW-WAVE in a series of eight model simulations for four historic storm events.Plain Language Summary Coastal zones worldwide are subject to combined effects of astronomical tides, meteorological storms surges, waves, and wind during storms and hurricanes, which can lead to flooding, property damage, and casualties. Coastal communities and critical infrastructure rely on accurate water level and wave forecasts to mitigate these combined hazards. Forecasts utilize hydrodynamic numerical models, which need to accurately represent these hazards and how they interact with, and feedback to, each other. This study uses a model, Delft3D-FLOW-WAVE, to calculate how tides and waves from four historic storm events combine to contribute to water level, wave height, and hazard proxy (water level + 1/2 wave height) in the Severn Estuary, southwest England. Additional simulations are run to show how local winds can further contribute to the hazard. Results show that including locally generating winds in simulations of water level, wave height, and hazard proxy is most important for accurate representation of physical processes that contribute to coastal hazards. Excluding locally generated winds from numerical model predictions could mean that flood alerts, warnings, and evacuation orders are missed, or coastal protection schemes are underdesigned, potentially leading to more flooding.