The burying of high voltage, high capacity lines is a costly busines, therefore these are normally overhead both in the UK and in the USA.
Local distribution at voltages of a few thousand volts is more readily buried. Here in the UK most local distribution is at 11,000 volts, buried in all but rural areas.
Pole mounted transformers in rural areas reduce the voltage to 240/415 for use by isolated buildings or small groups of buildings.
In built up areas, the 11,000 volts is reduced to 240/415 by large transformers each serving many customers. The cables are normally buried in built up areas.
The transformers are normally located at ground level in small buildings erected for the purpose, these are immune to flooding unless it is very deep. In city centers the transformers are often in basements and therefore vulnerable to flooding.

Bad weather frequently causes outages in remote or rural areas as the wind brings down the lines.
Weather induced outages in urban areas are very rare in the UK.

Even urban areas might in theory be vulnerable to outages caused by weather damage to the overhead high voltage grid lines. In practice it is seldom a problem in the UK.

Most power outages in urban areas are caused by excavations damaging cables, or by the flooding of transformer substations when these are underground.

The USA system with more pole mounted equipment is vulnerable to high winds and impact by vehicles, but less vulnerable to flooding.
Failures of pole mounted equipment are normally obvious and repairs easily arranged.
Faults in underground cables are less readily located and may require extensive excavations to repair.