If you have watched any of the tv coverage of the flooded areas, one of the most significant points is that the vast majority of houses being flooded are not modern estates where developers have got planning consent from local councils.
The vast majority of these houses are small terrace houses built over 100 years ago before any planning laws existed. Most of the flood plain building was done during the industrialisation of the 19th century when Victorian developers threw up tens of thousand of small cheap houses on the cheapest land, which was of course on the flood plain to house the workers flooding into towns to work in the factories that were being built.
Most people have very little control over where they live, they go where they can find work and most people start life at the bottom of the housing ladder, whether buying or renting, and in most towns the cheapest properties are the little 19th century terraced cottages on the flood plain. They do not have a choice, they cannot afford to rent or buy in other areas
This is how DS started his home owning career with just such a little cottage on the flood plain because he could not afford housing anywhere else in York on his salary He sold it to his SiL after his childeren were born, when he and DDiL bought a bigger house, which happens to be above flood level. Fortunately he just missed being flooded in 2000, since then the flood defences in that area have been flooded and the house hasn't flooded this year, but in both years he, and now his SiL were close enough to being flooded to have the front and back doors sandbagged and have moved all their downstairs possessions to the upper floor.
Dealing with the flooding is not just the responsibility of the authorities , home owners need to do more to make their properties flood resistance. In York all the businesses and properties on the banks of the Ouse that flood every year have tiled floors, walls lined with water resistant plaster and the elctricity circuits are at waist level, if not higher. Some pubs even have the furniture screwed to the floor. When the flood come any soft furnishings are quickly removed. After the flood the flooded areas are hosed down with high pressure hoses and are back in use within a couple of days.