The country watched in horror as torrential rain drenched Texas earlier this month, sweeping at least 135 people to their death. Kerr County alone lost 107, including more than two dozen children at Camp Mystic, demonstrating the tragic human cost of developing on land with hidden flood risks.

From afar, it would be easy, even tempting, to think that the floods like these could never happen to you. That the disaster is remote.

It’s not.

As details of the tragedy have come into focus, the list of contributing factors has grown. Sudden downpours, driven by climate change. The lack of a comprehensive warning system to notify people that the Guadalupe river was rising rapidly. Rampant building in areas known to flood, coupled with  incomplete information about what places might be at risk.

 These are the same elements that could trigger a Kerr County-type of catastrophe in every state in the country. It’s a reality that has played out numerous times already in recent years, with flooding in Vermont, Kentucky, North Carolina and elsewhere, leaving grief and billions of dollars in destruction in its wake.

“Kerr County is an extreme example of what’s happening everywhere,” said Robert Freudenberg, vice president of energy and environmental programs at the Regional Plan Association. “People are at risk because of it and there’s more that we need to be doing.”

The most obvious problem is we keep building in areas prone to flooding. The Federal Emergency Management Agency, or FEMA, produces readily available maps showing high-risk locales. Yet, according to the latest data from the nonprofit climate research firm First Street Foundation, 7.9 million homes and other structures stand in a FEMA Special Flood Hazard Area, which designates a location with 1 percent or greater chance of being inundated in any given year.

In Louisiana, a nation-leading 23 percent of properties are located in a FEMA flood zone, demonstrating the prevalence of hidden flood risks in the state. In Florida, it’s about 17 percent. Arkansas, New Mexico and Nebraska are perhaps less expected members of the top ten, as is New Jersey, which, with New York City, saw torrential rain and flooding that killed two people earlier this month.

Read the full article about hidden flood risks by Tik Root at Grist.