I lived in both North Dakota and Iowa, and I've experienced floods in both places. However, I never lived on a flood plain. It never seemed to make much sense to me to do so. After all, I hate moving when it's my choice to do so -- all that packing and hauling and unpacking. So I try to avoid situations in which I'd have to move by other than my choice.
Other folks, on the other hand, seem to not care. So I'll accommodate them by not caring when they get flooded. I'll simply assume that, as reasonable people who knew what they were getting into when they moved onto a flood plain, that they like living on the water...
...or in it.