The natural lay of the land matters a lot. But so does what man does to said land.
The last annoying tropical storm that I dealt with in Florida came through while I was living at the end of a 1/2 mile dirt road, with my house above a natural drainage that ran down the back property line. (In all, I was only about 3/4 mile from the Gulf, and my elevation was about 32 feet.)
I prepared nothing for that storm season, because I felt safe from flooding and anything big enough to cause damage would wipe me out completely, anyway.
But for that tropical storm, the drainage barely had any water in it.
...Because some new housing construction about 300 yards up the hill from me (on a different road) had temporarily blocked the drainage with fill that was removed for running utilities.
So, the water was unintentionally diverted into an undeveloped, elevated, roughly six-acre, wooded 'bowl' in front of my house, where over 2 feet of water remained for about three
weeks (partly due to additional storms and rain). I had water lapping at the front door for about four days, followed by about five weeks of only decent 4-wheel-drive vehicles or tractors behind able to churn through the deep mud of the road, and tapering off to basic AWD/4WD vehicles and my neighbor's 2WD tow truck (with chains on) being able to get down the road as the water finally started draining.
It was about three months before the road returned to normal, and most of the residents could actually get to their own driveway. ...All because of a pile of top soil.
The area never would have flooded naturally.
But it sure did with a little help from man...
Always be prepared (at least mentally) to encounter problems in getting home, and actually trying to save firearms that may have been wet or waterlogged, as well.
This photo was taken about two months after the storm, with the water down far enough that it isn't even in view. Crap photo, I know. But it's all I could find.
Two months, and still a slimy, soupy, nasty mess.
It doesn't look like it from the angle provided, but the established ruts in the road were still about 14" deep at that point.
My room mate actually bought that crappy 4x4 Blazer just so he could drive home, rather than parking his 2WD car on the highway and walking 1/2 mile through the mud.
Note the red staining all over the driveway from previous water levels, as well as mud that was washed off the driveway daily, once the water retreated: