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Muc-ed-off-
Life insurance is also a thing.
Sure, but trying to get flood protection on a shop on that street in Tenbury for a reasonable amount is like expecting to get Life Insurance for a 105 year old for a reasonable amount.
When £100k of cover costs you £50k/year then it becomes untenable.
FloodRE type schemes linked above try to mitigate these problems but eventually you reach the point where some things are just not viable in terms of insurance.
Greenbank
You can get pet insurance against vets bills, when every pet is more or less certain to get sick and need a vet. Just a question of how often and how much