By Holly K. Hacker, Brett Kelman, Daniel Chang, Hannah Norman andLydia Zuraw KFF Health News LOUISVILLE, Tenn. — When a big storm hits, Peninsula Hospital could be underwater. At this decades-old psychiatric hospital on the edge of the Tennessee River, an intense storm could submerge the building in 11 feet of water, cutting off all roads around the facility, according to a sophisticated computer simulation of flood risk.