I could be very mistaken; so want to say that first; But typically I thought you could build most places in a 100 year storm plain, but not in a 25 year?
Also, a 100 year event, is going to happen. in average, like every 50 years. A 10 year storm should average about every 5 years. A 100 year event is a 1% chance per year. I know that's not really how statistics work; it's not like once you reach 50 year, then you have a 50% chance, then a 51% chance; but in theory, you have roughly a 1% per year. A 25 year event; roughly 4% chance per year. One of the things that make it almost impossible to really design flood proof features; there is always the chance of a 25 year, followed immediately by a 100 year event. Or multiple minor saturating events; followed by a heavy event. Also, I dont know how frozen ground affects infiltration.
All of that disregards weather cycles; like La Nina, or El Nino, tropical storms, ect.
Guess what I'm saying; a barn in a 100 year plain, I wouldn't worry about; a 25 year plain; I would look at ways to raise the grade (if allowed).
A lot of drainage design is about minimizing catastrophic damage, but assuming some damage.
Note: not a drainage engineer; although I have listened to them speak to other engineers many times; most of the actual storm events, models, ect are over my head.