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 @904855ee @3967703f How many homeowners researched whether their home was located in a flood zone designation  or even knew what that was or the implications? 
 @432f6e91 @3967703f I think very few.  What is a flood zone anyway?  When "500 year floods" now happen every few years, most of us are in flood zones.  A buyer who signed 30 years ago may have made what was a good decision then but now... 
 @904855ee I'm not even sure all flood maps are even up to date. 
@432f6e91 
 @432f6e91 A whole hell of a lot didn't.
@904855ee 
 @3967703f @432f6e91 I lived in a house 25 years ago that bordered a stream.  I used to catch trout and sunfish in the stream.  It snowed a foot one day then rained that night.  The next morning the stream that could be stepped across in 2 steps was 100 feet across and moving at 20-30 mph.  A bit higher and homes would have been lost.  That kind of thing is happening all the time now. 
 @904855ee It sure is. It's almost normal now.

@432f6e91 
 @432f6e91 @904855ee @3967703f whew! That was a big factor for me since my city is low and right on an ocean-connected river… many good prices house with a medium to high flood factor minuses out of my options 
 @432f6e91 @3967703f We checked out the floodplain maps when buying our home 15 years ago, but… things have changed since then. As @904855ee says, places that used to me in the “one flood every 500 years” might have one every 50… or every 5 as things get worse.