literally. You'd be surprised the number of people who live in low lying areas surrounding dams, rivers, spill ways that DONT have flood insurance. They think that because a flood hadnt happened in 24-30 years, they're ok with it unless their bank requires it(some do, some dont). Back in 2008, the entire city of Columbus Indiana flooded, in areas that NEVER had flooded in the history of the state. This was due to heavy rains that over pressured a dam and it failed, then the levis along the spill way failed. 98% of the city was not classified as a flood plain by the feds, thus only those along the river were even eligible. Federal aid didn't cover the losses, some were lucky and their insurance companies classified it as "storm damage" instead of a flood, most however, were not so lucky.