In reply to Rigid Raider:
> We have a brook running UNDER the house. We have always told the insurance co about it but because we don't live in a flood risk area they aren't bothered.
Similar for me, I live on reclaimed land on the 3m contour,so am actually below sea level on high tides for about 25% of the year (sea level is the 1/2 tide mark), and have a watercourse 100m away. Insurance companies here don't care because we don't have big rivers to bring mega volumes of water into the area.