I'm in their small home on the floodplains of Lempa River, in the dank sugar-lands of rural El Salvador, where they live in a community with about 150 other families.
But environmentalists and researchers contend that too many factors which make Mumbai vulnerable to flooding remain: unabated construction on floodplains and coastal areas, as well as the continuing problem of storm-water drains and waterways being clogged by plastic garbage.
Houses built since 2009 will also not be covered (28,000 were planned to be built on floodplains in 2011 alone).
But the Association of British Insurers ABII) now argues that given the recent rise in the incidence of flooding, and the dire predictions about the future, the gentlemen's agreement needs rewriting.The ABI says that the government should increase its spending on flood defences from £350m a year to £500m, and it wants tighter planning guidelines to discourage building on floodplains.
The Dutch invented the word "polder" centuries ago to describe dry land created by enclosing floodplains (or shallow waters) with dykes.
Pools of water from floods that last month inundated nearby houses (see picture) still cover neighbouring meadows.Sadly, this is but one of many new residential developments going up on floodplains and tide-swept coasts around the world: 21% of new homes built in London since 2010 are in high-risk areas.
With northern Europe's climate likely to become wetter as a result of global warming, the European Environment Agency is warning of more, and worse, such flooding to come.Protecting towns and cities on these lowland floodplains is an expensive business.
They are now "depolderising", removing or lowering the surrounding dykes and turning land back into floodplains.
Others say it will block the flow of nutrients to floodplains farmed by river dwellers.Many suspect that the builders are after something more ambitious: opening the upper Madeira to navigation by fitting the dams with locks.
Sadly, most of what's available to builders is grotty ex-industrial land on floodplains in places like the Thames estuary.
It does not help that most of Texas's major rivers and floodplains are not well mapped.Over the next three decades, Texas's population is expected roughly to double again.
