When I bought my home I didn't think about floods. I bought it because: -
Near family
Near to my work base
Know the area. (For a long........ time).
And in, and over, some 40 years I've never known the f'uckin place to flood like this in my life until about two years ago! (NB. I don't own a Crystal Ball or trust anyone who purports to).
My choice of residence NOT being in a place which gets flooded was my good fortune over good judgment or 'intelligence' I PAID FOR from professionals who are meant to tell me what I am buying into and all potential pitfalls...
Your wrong Big Tone......you pays your money and you takes your choice. Man up and take responsibility for decisions, good or bad that you make. I lost a fortune on a property purchase before the crash 6 years ago but guess what ? It was my decision and I take full responsibility for the loss I incurred, not the banks, not the government, not the professionals who could have advised me , no not any of them...... I blame myself.
You may sway me but, I think you're talking in terms of hindsight and 'it's obvious after the event'.
The whole point, IMHO, is that we are not and can never ALL be: a car mechanic, a GP, a solicitor, a 17th edition electrician or Gas Safe engineer.
Please reconsider your stance....
You work in whatever you do and PAY to appoint someone who acts in your best interest - FOR YOU?
Or do we all have to be our own: electrician, GP, Gas Safe, car mechanic....?