They called it a 500 year flood. Whole towns were wiped out here. Bridges washed out all over the place. Roads closed, whole houses floating down the river, overpass collapsed on the interstate, 18 wheelers went into the abyss and washed down stream.
Sooo, you live in a flood plain?
No it wasn't a flood plain. If it were the mortgage holder would have required me to carry flood insurance.
If it wasn't in the flood plain, how did it flood? Five Hundred Year Flood is in a Five Hundred Year Flood Plain.
