The conservative case against flood insurance
In the recent Hammer Horror film The Woman in Black, lawyer Arthur Kipps (played by erstwhile Harry Potter star Daniel Radcliffe) undertakes the project of sorting through the possessions of a deceased woman at her late home, Eel Marsh House. The house is a dilapidated wreck, which is only accessible at some times of day because the road to it is flooded the rest of the time. To make things worse, it is haunted by an infanticidal ghost (the titular woman). Needless to say, after a few disturbing encounters with the latter entity, Kipps tries to escape.