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100% Agree. I do too and would never flood. Or would I from a way the water finds flat ground somewhere and just keeps accumulating. My backyard is a river in a heavy downpour but it flows away from the house because I'm on a little hill. Insurance companies are hating this but Im sure they'll have to raise premiums on all those properties now.
My area is almost completely flat, so I'm sure it would be a mess around here if we ever received similar rain to what fell in SC. The house I live in has never come close to flooding, but some houses down the street have taken in water before. There's one neighborhood where about 60 houses are being bought out and demolished because it is so prone to flooding (they were built on a swamp about 50 years ago).
The most serious flooding that I recall seeing was during Hurricane Gustav of 2008, and also April 2015 when over 6 inches of rain fell in about 3 hours.
We have received 7.75" of rain over the past 12 days. This ties the record of 12 consecutive precipitation days set back in the summer of 1887.
Thankfully the rain was spread out over that period of time and flooding here has been minimal. I guess now it's easier for me to imagine what it's like to live in places that average 20" of rain a month.
My immediate area never floods because my house sits on a hill, so it flows down like a river when it rains heavily. It's quite entertaining when we get torrential downpours.
A lot of people here buy properties in areas they know are prone to flooding, but I guess they think 'Well the insurance companies will cover it so whatever' or 'It won't happen to me'.
For those of you who don't have to deal with the scourge of fire ants.. Here's why we hate them so much and why they're so damn difficult to get rid of..
I live near, but not on a river. Less than a mile away though. My house took in water twice in the 1930s, before they built the dikes. In 1984 (before I lived there) we had historic flooding again, but it only came to within a couple of streets of mine. I've talked to the town engineers though, and they showed me the maps that show it's the little streams and waterways that are scattered around that will get you before the river actually does - at least the basements. So many of these little waterways are just trickles in someones backyard or even buried underground now, that you'd never know they are there unless you asked.
My flood zone was changed years ago and now I am not required to have flood insurance. I did buy it in early 2011 though as I was afraid of the melt from the snows that New England had. Anything that melts into the CT River in VT, makes its way all the way down.
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Or would I from a way the water finds flat ground somewhere and just keeps accumulating. My backyard is a river in a heavy downpour but it flows away from the house because I'm on a little hill. Insurance companies are hating this but Im sure they'll have to raise premiums on all those properties now. 
