V. Read the text below and decide which answer (A, B, Car D) best fits each gap.

Floods-Earth's common and destructive threat
Climate has increasingly changed, which has led to flood risks globally, particularly in low-lying areas. Floods have caused severe damage even death, with annual worldwide loss exceedingly estimated $40 billion. Various factors which (25)__________ excessive rain, rapid snow or ice melting, and coastal storms contribute to floods. A flood occurs when water covers land that is typically dry. Coastal flooding (26) _________ from large storms or tsunamis which push seawater inland. Most floods develop over hours or days whereas flash floods can strike suddenly when small streams turn into raging torrents. They often leave us many things to do from polluted water, hazardous debris, and (27) ________ diseases. Understanding and preparing for facing floods is (28) __________ important to ignore if we want to minimize their impact. It is high time that we took action for our planet.