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FOLEY, Mo. (AP) -- Once the Mississippi River starts to recede this week from another great flood, the tiny river towns that dot its banks in Missouri and Illinois will once again face the question: return and rebuild, or relocate?

It's a tough choice in places like Foley, a hamlet of fewer than 300 people an hour's drive northwest of St. Louis. Normally, the Big Muddy swims by at a comfortable distance. But for the second time in 15 years, a wet winter bleeding into a wet spring pushed the river well past its banks, causing a summer flood that swamped dozens of low-lying houses and forced residents to evacuate.

Barring any major storms, the river was expected to crest in St. Louis on Monday and Cape Girardeau in southeast Missouri on Wednesday, although water levels are still well above flood stage.

Cape Girardeau is expected to see a crest of 42.5 feet, well above flood stage at 32 feet. At that level, some residents will have to leave and 100,000 acres of farmland will be flooded, the National Weather Service said.

With the river still running high, the shock and pain of the flood make it hard to think about whether to leave, said Foley Mayor Bill Thornhill. But in a town where no one is rich but neither a stranger, economics and a strong sense of belonging are prompting most to say they'll stay.

"Why live here? Maybe people shouldn't live in Kansas because of the tornadoes," said Gary Madaus, 44, who moved to Foley from California after living much of his life in the Mojave Desert. "Some people don't have choices. You have to go where you can make the mortgage payments."

Lifelong resident Ronald Davis, 40, who owns a brick business, said only the latest arrivals to town might be scared off by the flood. Abandon Foley? "That's never going to happen," he said.

But 180 miles upriver, Keithsburg, Ill., Mayor Jim Stewart is already talking about moving most of his 700 residents to higher ground after a third of the community, including downtown, was swamped.

They've done it before. During the Great Flood of '93, record floodwaters broke through the sandbag barrier atop Keithsburg's levee before breaching the earthen berm itself, sending water rampaging into many of the town's homes and businesses. The federal government later snapped up roughly 100 homes and moved many residents into new houses on a hill.

That wasn't enough to save Keithsburg during this summer's flood. The town cleared out the night before three levees broke, sending floodwaters cascading in again as the Mississippi crested a few feet above the height of the flood barriers. The town's Tastee Freeze, a laundromat, bait shop, a restaurant, post office and a couple of taverns were soon under as much as 8 feet of water.

"A lot of people (in 1993) said, 'Aw, it's not going to happen here' and left their things in their homes," said Chuck Reynolds, pastor of the town's First Christian Church. "This year, people were saying, 'Yeah, it might happen,' and rolled up their carpet and furniture. They moved out."

Reynolds said there are already some rumblings among some in Keithsburg that they might not move back. But even after losing their homes twice in 15 years, he said, Reynolds is preaching patience. Wait and see what unfolds once the waters fall back.

Stewart, the town's mayor, said he's not worried there'll be a mass exodus from Keithsburg, figuring too many have roots too deep. He's again looking for help from the Federal Emergency Management Agency to relocate the parts of town that didn't move after the 1993 flood.

"A lot of these are lifelong residents," Stewart said. "They'd like to stay in the community, but they'd like to stay in a safe environment."

Thornhill, Foley's mayor, isn't interested in talking about such a buyout or town-wide relocation. He points to the Pink House grocer and the only bar in town, Vonna's Party Cove. Both are on the dry side of town, and both are still open for business.

"When you find it, you don't want to leave it," Chris Thornhill, the mayor's wife, of Foley's sense of community. "You just happen to have a neighbor that's the Mississippi River."

(Copyright 2008 by The Associated Press. All Rights Reserved.)