I don’t know where you got North Carolina from, I was speaking in general. Also the place has plenty of coastline. Also you don’t need to live near the coast to live in a flood area, plenty of rivers that can and do flood. In mountainous regions it’s not about building on the right side of the dike, but not at the bottom of the valley, and in the places in between it’s about… well, it’s usually not really about not building in one particular place, but making sure that there’s areas that you can flood to protect areas you want to keep dry. Much cheaper to pay off a farmer for a lost harvest and cleanup than half a million people for losing their homes.