We have some friends that got flooded when Lake Travis went over 700 MSL back in 1991. The insurance company came out after the lake dropped and they got a full settlement.
Several years ago the LCRA has raised the pool level to 690 instead of 680 MSL and the insurance company sent them a notice that they are no longer covered for flooding.
We don't have flood insurance. Our home is about 750 MSL and the top of Mansfield Dam is 715 MSL. If we ever flood, Austin would be washed into the Gulf of Mexico. Hmmmmmmmm, not a bad idea for Texas.....
I realize flooding happens in odd places when least expected but there is really no excuse for those along the coast line - It irks me that I’m paying for some idiot who didn’t want to pay $300 a year for flood insurance....they made that choice, not me.