Another danger in Manila is the fact that the sewer system is so crammed with garbage that it overflows along with the rain water - making those floods full of fecal material and other harmful bacteria. I experienced a couple of similar floods and I can tell you they're pretty disgusting.

Up where I lived in the mountains we didn't worry so much about flooding, rather mudslides that could wipe out an entire village. Once I was up at Jayne's in Mt. Province and the road to Baguio was closed for a few weeks. So we took the bus to the slide - then tromped across the mud where another bus was waiting.

I hated rainy season.