I live in the same city as her. The neighborhood she lives in is very “desirable” and everyone who lives there knows exactly what they’re signing up for since it’s in flood zone A. Same with everyone who lives on the beach, which is also flood zone A. Nearly all of the “desirable” neighborhoods here are in flood zone A - which means they’re right by the water and guaranteed to flood. Living in that specific neighborhood is also a status thing, imo. A lot of people go through the same situation as her - they flood, renovate, and repeat over & over again. They take the risk when choosing to live there, even the streets will flood during high tide or heavy rains. That neighborhood will always be desirable regardless of the flood zone, same goes for all other desirable neighborhoods in this area that are also in flood zones. Primarily populated by affluent folks.