Do we have any Florida men/women here?

Yeah it's not Floridians that do this. It's people from out of state moving in that decide "hey this is where I should have a house." Besides there are plenty of ways to build a house in a flood area that will keep it from flooding. If you're ever driving down a street and suddenly a house is up on hill then the area probably floods and that is where a Floridian would put their house.