It’s a particularly hard problem in Texas. We get torrential rains and the landscape is relatively flat. Couple that with shallow soil over lots of limestone and it means flooding is really common. We also have roads that have a “low water crossing,” where a road crosses a creekbed that is normally dry but which will flood. There are often water depth signs there (basically a vertical ruler with feet marks so you can see where the water is up to). We lose people to this scenario (driving into flood waters) every year. It’s particularly problematic when it’s dark and you miss a warning sign. Before you know it, you’re in deep water and the flow can sweep the whole car downstream until it gets pinned against a tree, possibly with water forcing its way into the car.

Texas has it easy.

I've seen several places in England (and at least one in the western United States) where they have fords.

For those not familiar, water runs over the road full-time, and people are expected to just drive through it like it's no big deal. Except for right after a storm, when it is a big deal. It's essentially the intersection of a road and a stream where a bridge should be, but nobody ever built one.