Saskatoon's version of this is usually about water and about the individual house rather than about whole neighbourhoods. Overland water and sewer backup are optional endorsements priced on location and claims history, and insurers look hard at basement flooding records, which is one reason the City of Saskatoon's drainage and basement flooding work matters to homeowners well beyond the inconvenience of a wet floor.
The house itself drives most refusals. Knob and tube wiring, a sixty amp service, a fuse panel, aluminum branch wiring, an oil tank, a woodstove without a certificate and shingles past their life will all trigger conditions, surcharges or a declined application. Those are also the items a $400 to $600 inspection finds, which means a buyer discovers them during the condition period whether or not you did first.
The fix is documentation and remediation before listing. An updated panel, a backwater valve installed with a permit, a new roof and a claims history you can produce turn an insurance question into a non-issue for the buyer's broker. Joel Dyck's hand-reviewed valuation flags the items likely to cause an insurer trouble while there is still time to deal with them.