That's fine, but all of the areas I mentioned are places where people build below the flood hazard level. Like, virtually the entire country of the Netherlands

That's fine, but all of the areas I mentioned are places where people build below the flood hazard level. Like, virtually the entire country of the Netherlands is a flood hazard zone, Venice floods nightly, Germany had the recent Rhine floods, Australia has building codes specific to construction in flood zones, the US has major urban centers in flood areas, and so on. I'm curious what area is being referred to where this sort of stuff doesn't happen.