Flood Victim: Sometimes Flood Damage is Caused by Man not Mother Nature
Flooding happens in nature "naturally". All rivers have flood plains. Areas where the river would spread out during heavy rains in the fall and spring. This is also true for smaller channels like creeks, bayous and gullies. Sometimes, so much rain comes at any given time that no amount of preparation can predict or prevent the ensuing damage. It is the difference between a 100 year flood - predictable; and a 500 year flood - not predictable.
However, flooding that occurs in newer subdivisions and residential areas may not simply be a result of "Mother Nature". It may be caused by man. Specifically, a lack of sufficient drainage for a subdivision can be a direct cause of flooding to the homes in that subdivision. Development around or near a residential subdivision can also alter and change the way water drains increasing the volume and flow.
If you live in a residential subdivision or anywhere for that matter, and you have seen poor drainage in light rains, it may only be a matter of time before the reality of heavier weather causes flood damage to your home or property.
A subdivision developer as well as a land owner that is or has caused flooding into your home or onto your property can be held liable in Texas under various theories. If you have questions, you should consult with an attorney.