Friend had 10 hives washed away, in a place I said not to put them due to flood risk. They said it's OK I'll be moving them in winter. I said but you never know what may happen, they said it will be fine.
In my younger days I had an entire apiary washed away, not a stick left, no sign it had even been there. I was not rich and it hurt. We probably all have to learn the hard way before it really sinks in.