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what is the importance of studying flood risk management?

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Mainly studying of flood risk management  for
*Reduce the cost structures

 ex: if we want to design culverts and road lines, we can take a more risk because of if those structure will fail (damage) there is very less money loses  and

if  we foundation a dam then we can't take more risk because if dam will be fail then there is more loses such as cropping loses, hoses, human live etc
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