There is a creek right next to my house. Back in 01 this area had 15 inches of rain over night and the house did not get flooded then however the creek did flood and took out half of the lower part of town! I have flood insurance and I watch the water close! My husband lived in St. Louis and his house was flooded in 1993. He was only about 12 then. I fear a fire more than a flood!
Good luck to those who live along the water!