11. You probably live in your town for a reason - the great schools, the friendly neighbors, the cute little downtown, or the great city resources, the awesome library, the low taxes.  Now, the flood comes.  Half your neighbors houses were flooded, and now they have mold and long term damage.  They have to move out, move away.  The houses can't be sold, because no one wants the remediation problem.  So now your street has six empty houses on it.  Half the businesses were flooded.  The first week they all say they will rebuild, but a lot won't - they'll move away.  Empty storefronts.  Oh, and look, the wing in the school where your kid gets speech services flooded, and now there's no speech for six months.  
12. Your property values will be impacted for a decade or more.  Your beautiful, dry house on a hill just lost half its value, because even though your house is dry, no one wants to buy in a disaster zone.  Hopefully, now you aren't underwater...on your mortgage...