We have a house that was built in 1948. We bought it in 2005. We know there were some drainage issues and have two sump pumps under the house, as do most of our neighbors. This morning, we woke up to a very strong smell of mud coming from under the house. It was mainly in one room, but by the end of this rainy day it is throughout the house. We have been through rainy days before but never had this smell. I have noticed, having slept on my son's floor recently, that it is very cold and I can feel a draft through the carpet. Is this something we can insulate against or is it a bigger problem than that? Is there something else I need to be careful about or check on? Why after almost four years am I smelling it now for the first time? What about mold issues? I have a two year old son who's health I am concerned about.