The big flood factor (besides water) is massive amounts of ice clogging chokepoints.

On Feb 4th, 2010, the river stage at Vidalia, La was 3 feet higher than the level was on Feb 4th, 1973. This does not bode well for the coming annual June rise that occurs annually.

I've taken out Flood Insurance, this year!
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QMC, USCG (Ret)
The best luck is what you make yourself!