Floods and flood insurance used to be considered a southern coastal issue ut looking at natural disaster maps of the US for the past decade you will see that, not only have the number of natural disasters including floods, increased dramatically, but so have the geographic location of floods and other natural disasters; A major hurricane (Sandy) in New York-New Jersey?
Major flooding in New England and Colorado mountains, Taxes plains? An earthquake in DC? In fact many flood issues now occur, not on the coast, but in low lying inland areas.