So, solutions:
Build in flood zones only according to CURRENT regulations and at your own expense and risk.
Occupy non-compliant, grandfathered structures at your own risk.
Grandfathered existing, non-compliant structures should not be permitted to be used as commercial dwellings
Better delivery systems/apps for warnings with filters that allow you to screen alerts.
For example, in my area, I get Advisories, Watches, Warnings and Severe Warnings from up to 100 miles away, for fog, heavy rains, thunderstorms, tropical storms high winds, rip currents, dangerous lightning, wildfires, water spouts, tornados. All of which are repeated with an alert tone every few minutes. I have tied many different apps, most of which have a direct feed of NOAA data, but none that can effectively filter these by distance or severity.
Ideally, I would like one that can limit geographical difference, and send an alert tone only with new or changing alerts. For example, during a hurricane, I've been on alert for hours already and I'm hunkered down. I don't need to be awakened every five minutes with a piercing tone telling me there is a still a severe thunderstorm watch in effect, just let me know when there a tornado spotted within 10 miles so I can wake everybody up and get to the safest room in the house. I haven't yet found an app that can do that, but I don't sleep much anyway during a hurricane.
www.congress.gov
Ok it's max 37 now, mandatory retirement at 57.