The real equivalent risk question in Saskatoon is drainage and basement history, and it comes with a real cost attached: a buyer's home inspection, typically $400 to $600, will check the sump pump and backwater valve and flag missing safeguards before financing is approved.
If your home has had water issues in the past, disclose them and show what was done to fix them. A repair invoice and an updated backwater valve read as a solved problem to an insurer, while silence reads as an unknown risk.
There is no US-style climate score to manage here, but there is a real insurability question. Get your hand-reviewed valuation from Joel Dyck.