The FEMA maps showed they weren`t in a flood zone, but the waist-high water showed otherwise
(CNN.com US)

When Bob and Debbie Smith signed up for flood insurance years ago, they never expected the storm that transformed the little river next to their backyard into a raging, muddy torrent. They never imagined that they and their cat would need to be rescued from their front porch by a neighbor with a boat as the floodwater reached up to their chests.