>. It would seem the probably has gone up due to climate change
That probably has a small reason to do with the increase, but your next line highlights the issue.
> or that we're noticing the floods more now because there's more damage to be caused to more things that have been built up
No, not exactly. The more stuff you build, the faster water runs off. Unincorporated land has a pretty high water slowing capability. It takes more time for water to run through tall grass, and puddles, and log jams, and loose dirt. All things that occur naturally. Humans build houses that have all the water run into gutters, that run into a well cut lawn and down a sidewalk. Once it hits the road it's like a water expressway. It can travel quickly to a local stream. A stream that likely has a concrete lining so the water moves swiftly to a lake or reservoir in hours rather than days.
As a place develops new flood plans must be studied every 5 to 10 years. A new development of 100 hours up the watershed from you can mean your risk of flooding increases dramatically. Places like Houston have had 10,000's of houses build in the surrounding areas meaning what was a 1 in 100 year flood could be as low as a 1 in 10 year flood. All this stuff being built is not taking into account its effect on downstream rainfall runoff.