Concept: Flood-prone areas are those areas that are frequently affected by river floods, heavy rainfall, drainage congestion, and overflow of river systems.
Step 1: Understanding flood-prone states in India.
India has several flood-prone states, especially in the Ganga-Brahmaputra plains. Bihar, Assam, Uttar Pradesh, and West Bengal are important flood-prone states.
\[
\text{Flood-prone area} \Rightarrow \text{River plains + Heavy monsoon + Drainage congestion}
\]
Step 2: Understanding Bihar's flood vulnerability.
Bihar is highly flood-prone because many rivers from Nepal enter Bihar and overflow during the monsoon season. The state has large areas affected by recurring floods.
Step 3: Selecting the state with about 20% of total flood-prone area.
Among the given options, Bihar is considered to constitute about 20% of the total flood-prone area in India.
Therefore, the correct answer is Bihar.