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"Experts warn that ... 100 year floods are now expected to occur every 20 years." What "experts"? Saying that 100 year floods will occur every 20 years shows that you don't understand what a 100 year flood is. The term "100-year flood" denotes a flood that statistically has a 1-percent chance of occurring in any given year. You can have a "100-year flood" every year without increasing your chances of having another one. For more background, check out the U.S. Geological Survey website at http://ga.water.usgs.gov/edu/100yearflood.html.