When Bob and Debbie Smith signed up for flood insurance years ago, they never expected the storm that transformed the little river next to their backyard into a raging, muddy torrent. They never imagined that they and their cat would need to be rescued from their front porch by a neighbor with a boat as the floodwater reached up to their chests.

(SOURCE) https://www.cnn.com/2022/08/15/us/fema-kentucky-flood-insurance-climate-change-invs/index.html