Totally agree.
Where I live is nearly geographically and geologically identical to that area.
I don’t have flood insurance.
Not enough population density here to bother turning on the “1000 year flood” machine for us, though.
We’re not parked on top of priceless lithium or quartz deposits either.
There you are!
I have been praying for you, knowing that you are in the Appalachians.
Hope you had minimal damage.