The property that we are intending to buy is in a flood risk area. This means that few insurance companies are willing to provide buildings and contents insurance, and those that might, will charge an inflated premium. However, according to the Environment Agency flood local area map, the property is just outside the risk boundary and thus safe. It is also on the side of a hill, some 40 ft above the level of the stream and in no way is it at risk. However, quotes are made according to postcode, not actual siting. How can we present our case for a fairer assessment?