It would bother me that she said she didnt know the roads were closed. I would wonder wth is wrong with her.

But - therapy should be teaching you agency, taking care of yourself, so i would take her statements re the flood with a grain of salt. By waiting for her to call, you were waiting for fairy godmother to take care of you. Thats the problem. I guess i would not apply the no-cancel fee to this particular situation. Just look at it more as, why were you sitting on your heels waiting for her? All that matters is YOU here. Its not like she is a school. I think thats why she was being weird. She is just pointing out that nothing changes unless you take action, which you did. So basically you did good.