All that may be true more often than not, but it does not apply to this small bedroom community. St G, Washington, Sta Clara and Ivins all together was only around 40K residents during the year in those days, and they were ran more by the influential residents there than the local governments (although some of my friends did run for and became the local government in Wa and I). The only industries there included tourism as the jump off point to many National Parks, Reserves, etc in UT, CO, NM, AZ and NV; the snowbirds who came there from the deep frozen north to spend their winter there; and the residential building industry that a lions share of was for those snowbirds who wanted to move there permanently. While some starter homes in outlaying areas for the blue collar workers did sell for far less, there were many homes well up into the multi millions. Those along the SC that a couple of my friends bought were around $300K-350K. So those homes were not built on what was deemed as cheap dangerous ground by most folks there because of the history of that particular river that in many places you could jump across most of the year every year. History... it had only had one other major flood, far more serious than this one, and that one was from late 1861 into 1862 when the entire SW US was under a deluge of excess rain for nearly a month and a half. Note the last water storage reservoir on the Sta Clara river that caught the snow pack from the Pine Valley Mountains for drinking water (Gunlock) only released excess run off in the spring), the rest of the year it was a small tame stream... and some drought years only a tickle of water in it. I even saw Virgin River that was normally dozens of times the size of the SC with nothing but a trickle in it for 2-3 years.
ESL