I reviewed all the different translations and the conclusions are that they roughly conform to the ills and mountains are covered with at least 15-20 cubits of water. You are trying to Gerrymander the texts to suit your agenda. I believe the NIV version made every effort to go back to the known texts and come up with an excellent translation.Your interpretation creates to many conflicts.Both those texts and the KJV say that the flood was only 15 cubits high not 20 cubits. Therefore the height of the highest hills/mountains in the flood zone were less than 15 cubits above the normal river height, and why they were covered by the flood water.
To the contrary, that story simply describes one of many river floods in that area, which unfortunately drowned most of Noah's family and their cattle and goats and pigs and chooks.
19 They rose greatly on the earth, and all the high mountains under the entire heavens were covered. 20 The waters rose and covered the mountains to a depth of more than fifteen cubits.
Note the King James version does not agree with you if read properly. '20 cubits upward did the water prevail, and the mountains covered.' does not translate to the depth of the water being only 15 or 20 cubits deep.
19 And the waters prevailed exceedingly upon the earth; and all the high hills, that were under the whole heaven, were covered. 20 Fifteen cubits upward did the waters prevail, and the mountains were covered.
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