Thank you Bruce. Actually Las Vegas (my home) is certainly in a valley. Mountains visible from any viewpoint in all four directions. But I live a block from a major street that runs slightly downhill for miles, so rain doesn't threaten my home which is three feet higher than the street in front of my house.I don't feel threatened. But I am insured, and live alone. If somehow my home got washed away, if I survived I would then be able to recover afterwards.
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