The problem there is that the national flood insurance program heavily subsidizes flood insurance and artificially drives down the cost of living in a flood zone.

And I guess they refuse to build the homes on elevated stilts because capitalism right?

A house that looked almost exactly like this was swept away by the flood. It was an incredibly sad story (the family described the event in great detail). The family probably did everything they could've done. At a certain point the government NEEDS to intervene. A family can't reasonably do their own weather analysis, flood plane analysis, or build and maintain their own alert system.

probably would be too expensive, and cost prohibitive, and even if they make that kind of house flooding can be severe enough where it can still destroy a house.

This would work for areas that flood gradually. The flooding that happened had fast moving water. And water of that volume moving that fast is like an unstoppable force. I would trust that structure to hold up.

Nobody ever talks about Engels, it's all "Marx, Marx, Marx"

I don't know if I would call the deaths unnatural