That kind of dispute is a live issue for any private company selling a modelled risk score to lenders, insurers or listing platforms, because a wrong score in either direction has real financial consequences, from a higher insurance premium to conditions on financing that a straightforward $400 to $600 home inspection does not support, which is exactly why the City of Saskatoon's own flood and infrastructure data matters more here than an imported score.
In Saskatoon, the more relevant reference is the City of Saskatoon's own flood and infrastructure data, which is public record tied to actual local topography rather than a proprietary model, and it is the information a buyer, lender or insurer here would actually rely on.
Joel Dyck can point to what the City of Saskatoon's records actually say about a specific property rather than a score built for a market Saskatoon does not resemble. Get your hand-reviewed valuation from Joel Dyck.