MaryXYX if your friend goes on the Environment Agency Website she can find out her REAL chances of being flooded and refer insurance companies to that information.
We are, as the crow flies, about 200 metres from the river/canal and our insurance was doubled because of our proximity to the river. I pointed out that, if we got flooded, Noah would have to get his ark out again but the girl on the phone didn't know who Noah was. I referred them to the Environment Agency website and our insurance went back to normal.