Your future home could be in a flood zone — and no one’s required to tell you

Olga McKissic lives in an airy, white-brick home with a pillared porch, the kind where you might sit and watch fireflies late in the night. The only issue is that every few years, the rising waters from a nearby river pour into her Kentucky home, ascending the porch like an uninvited guest. Her home flooded in 1997, 2006, 2013, and 2015.

“That property that we purchased back in 1986, that we thought was such a wonderful, tranquil, lovely place — it’s a nightmare to live here with the...

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