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A failure to plan, the saying goes, is planning to fail. And over the past 30 years, this maxim has played out in the nation’s approach to climate-related disasters, particularly flooding. In 2021 alone, flooding has taken lives and destroyed homes and businesses from Tennessee and New Jersey to Washington state and Arkansas. The year was not an outlier: In each of the past five years, floods caused an average of $9 billion in damage and economic losses across the country.