15.5 inches of rain here in 2013, and we thought it was the end of the world.  But not a drop in or near my home, so I would have to say the city must have done something right in planning this subdivision.  The point being, if people use common sense and plan ahead, disasters can be mitigated.  Unfortunately, though, we cannot tell people where to live, or not. So they rebuild on the banks of the Big Thompson.