Five years ago, the town of Bayside, in the Katonic River Valley, had catastrophic flooding one spring, and consequently, most insurers now refuse to write flood insurance for houses in Bayside  The town of Dryadia, in the Phemptic River Valley, is much like Bayside in its proximity to a similar river at an almost identical point in the river valley
We can conclude that the only reason the same insurers do not write flood insurance for houses in Dryadia either is its similarity to Bayside in terms of where it is situated in the river valley
In many other towns in the Katonic River Valley, it is hard for home-owners to buy flood insurance.