My home: I live near the sea but at least 50 feet above sea-level, on a steady hill-slope, and nowhere near a river.
The home of a friend in the North of England. He was told firmly by his insurers they would refuse flood-risk, or charge very steeply for it, because he lived within a certain, quite short distance from a large river that can flood.
"Aye", my friend told them, "I do live only a hundred yards from the water, but some two hundred feet above it, on the valley side!"
I forget if he said he'd managed to make the clots see sense. They'd apparently relied on some theoretical flood risk created in the Department of the Environment, based purely on paralleling river-banks on maps without regard to topography!