You may never have flooded but if you live in an Environment Agency flood area then you will need Flood Risk Insurance. This is the same as standard buildings and contents insurance but allows special provision in case of flooding.
Flood Risk Insurance does exactly what it says. It recognises there is a risk of flooding to your property and makes sure you have the right level of insurance and cover to protect you in the future in case you need to claim. If you have claimed in the past, then you will need Flood Risk Insurance as other home insurance products will not offer the right cover at the right price.