Insurance companies will give you a tough time if your property has a drainage easement area. A high-risk property means low profit for your insurer.
There are greater chances of you demanding a payout because of a flooding issue.
So chances are they will either deny you homeowner’s insurance. Or they may charge you massive premiums to stay covered. o provide coverage to a property with drainage issues.
It’s recommended to buy additional flood hazard coverage to get properly compensated for any possible damages.