Not too bad, since the risks are well known and understood. And unlike in the US the government actively has to maintain that risk level by law. My private ins

Not too bad, since the risks are well known and understood. And unlike in the US the government actively has to maintain that risk level by law. My private insurance covers flooding at no additional cost and almost all home insurance covers it (maximums/deductibles are affected by insurance price of course but they are very reasonable).