A typical house isn't built to withstand minor semiannual flooding either ;) The really bad forecasts for Florida include areas where a house itself is likely

A typical house isn't built to withstand minor semiannual flooding either ;) The really bad forecasts for Florida include areas where a house itself is likely to stay dry, but the water pipes may have problems, or the road network may be interrupted by floods, or the ground is likely to subside or change, or, or. FWIW I know someone who lives near a river that often floods. One of the houses on their farm is dry, but the ground under one wall has subsided by >10cm in the past 20 years compared to the opposite wall. The walls have visible cracks. The bricks look as if the bricklayers were drunk all day and I can't imagine that any insurer will touch that house.