They are doing this to us right now.  Our rural subdivision borders a state park (that wants to expand!).  Most lots out here are 12+ acres with some flood land on each lot (we are a mile from a river).  We use to flood every 5 years or so.  But since 2012 we have flooded probably 8 times (3 times in the last 16 months) and most of these recent floods have been higher than the "100 year flood" elevation, 2 above the "500 year flood". Irma came through last September and set all kinds of records, almost shut down the interstate near us.  Problem is, we didn't get that much rain.  They blamed the flooding on the St. Johns river flooding in Jacksonville... but that is in a completely different flood basin (we are in the Suwannee River basin) our rivers dont touch.  Then we had another record flood (2nd behind Irma) this past August. I really think they are going to try and eminent domain all of us at cut rate "flood land" prices, even though be paid and owe much more.  One neighbor has already abandoned their place because they were sick of the flooding.