[hedora]

The flood plane thing is pretty extreme (and usually involves some sort of corruption, since zoning is involved), but pretty much everywhere on earth is seeing a correlated increased risk of building damage.

The insurance companies are using this as an excuse to increase profitability. Focusing on corner cases is a distraction. Only a tiny percentage of houses are built in flood planes.

A much larger percentage are in the sorts of towns that completely burn to the ground these days, or are in places that became flood planes since the housing was built (e.g., a big chunk of silicon valley).

Other areas face other new/more common correlated disasters, like tornados, widespread crop failure, high wet-bulb days, grid/industrial collapse due to winter storms, etc.