What is a 100-year flood?

A 100-year flood is the flood event that has a 1% probability of happening in any given year. However, this does not mean that it will only happen once every 100 years. This area has had multiple 100-year rainfall events in the last 30 years.

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1. What is a 100-year flood?
2. Am I eligible to purchase flood insurance?
3. Who needs flood insurance?