I haven't spent a whole lot of time studying that. We've focused mostly on the Netherlands in our work over the past five years.
I know that in the Netherlands they don't have what we would understand as flood insurance. Their insurance is what their municipalities and their water boards, water authorities, and the three levels of government provide for them by way of protections from flooding. In some smaller municipalities that don't have dikes and don't have flood protection on the smaller rivers, they will have a form of overland flood insurance, but most of the country is not covered by flood insurance.