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There is a really interesting episode of the UK show Grand Designs that follows someone in a flood prone area who built a house that essentially rests within its own drydock structure. Worth a watch if you find this sort of thing interesting and the show is fascinating in general. https://www.youtube.com/watch?v=16scx81p2w4

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We spent nearly 9 months house hunting in Scotland - I was genuinely shocked to find out that new houses were often in fairly high risk areas for flooding. Trying to find somewhere rural in the right area with low flooding risk and low risk from mining related problems and with decent internet access was non-trivial.

Depending on where this is, you can think of it as generations of people have already picked out and settled in the naturally safe spots. What's left then are the less desirable, potentially riskier locations.

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