Living in Houston, my brother has experienced at least two 100-year weather events in the last few years (flooding due to Harvey, the Big Freeze). They happen.
After the first one he moved to higher ground and he bought a big generator. His was the only house on the block with heat during the recent cold spell/power outage.
We have a metal carport for the big tractor behind the house and I had to put heavy landscaping blocks close to the back foundation to stop water from running off the roof of that carport, across the yard, and under the house. As far as water rising, it’s not that possible. The road is at a much higher elevation than the creek and the house is much higher than the road. It would take a Biblical flood to get the water high enough to get to the house but I can’t 100% rule anything out.
Flash floods while crossing the bridge over the creek are the main threat in this valley. They raised the bridge years ago and I have seen it close to the new bridge.
We bought a generator after the blizzard of ‘93. Snow will cripple us a lot more than rain. We aren’t set up for snow.