Well, a few months ago, I heard a report on the Weather Channel saying that 2010 was going to be the year of floods and flash floods. They said that places that had NEVER flooded in the past would experience floods.
So I nudged my husband to get flood insurance anyhow. Just in case. I know that everything is up to Allaah swt and at His pleasure. But I also believe in being prepared as much as possible.
I hope Allaah swt doesn't test us with flooding, but if He does, we will bear it with patience. And, at least we can be blessed to replace a little of our stuff Insha Allaah.