If you had read my comments more carefully, you would know I live in Gilbert, Arizona. I do not live on oceanfront, I do not have pure foundation, I am on a slab. I am 6 in below the 100-year flood plain risk as assessed by FEMA. Gilbert is in the desert, what we think of is the valley but is truly a basin. The flooding would be caused by a failure or inadequate drainage and an exceptional monsoon/ thunderstorm, probably several in rapid succession., they have standards, they've done their engineering. Not alone, a great deal of my neighborhood is also in this 100-year floodplain risk. We've been grandfathered in so for the first few years premiums were not horrible, but of course we are paying full price now. It is more expensive than my hazard insurance. And of course, it includes some subsidy towards the flood benefits that would be paid to those who do not have insurance and yet have serious need. If I were to have a loss due to flood, this would be a payout, because I'm paying premiums. If you understand insurance, you know what that means. FEMA is better known for their relief, this is money which is paid to people who are in need, who probably did not pay any money into any fund or any insurance that would have covered the loss that they suffered. Let me try this one more time just so that you get it. This was determined by FEMA due to a survey that they conducted about 10 years ago, and a change in their standards, probably due to the unexpected losses that they suffered around that time. I don't live on the ocean. I don't live on the shore. I don't live near your River or a lake or a stream. A flood for me would be rainwater and inadequate drainage to handle the amount that would come, perhaps in 100 years. For what it's worth, there's no history of such rainfall in this area for more than 100 years, but who can predict the future. Please forgive my typos, I'm dictating this to my phone. If you're unsure about the details of my situation that I'm describing, go back and reread my first comment about this. And remember that we started out talking about people in coastal zones who have a clear and present risk of flooding on a regular basis. Perhaps as often as several times a year. And FEMA somehow can take care of them. Sometimes with delay. What they're doing in West Virginia? I have no idea, but from what I've seen of reports even as recent as last month, not very much. And in New York. It happens.