Across Australia, more properties are now being classified as flood-prone, high-risk, or hard-to-insure  — even in suburbs that have never flooded before .Insurers are tightening their underwriting, raising premiums, reducing coverage, and in many cases, declining flood-prone homes altogether . For homeowners in coastal, riverfront, low-lying and storm-affected regions , this has become one of the most frustrating challenges in the insurance market today. This can be especial