I think other factors are also responsible.. One of my friends stays in Andheri, in a ground floor house... He has been staying there for 25 years.. He says there was a big open ground near his house.. 3-4 years back it was bought by a builder who covered the ground with concrete .. Now every time it rains water enter my friends house.. because there is no soil left to absorb the water.. If we cover everything with concrete, where will the water go?