[olliej]

Federal money has been plowing into many of these regions for years. Guaranteed loans and insurance are entirely tax payer funded subsidies/payouts to people who aren't willing to move to areas that don't get flooded/washed out every few years.

I recall John Oliver having a segment on it at some point - basically a bunch of areas in Florida and the South get wiped out repeatedly but the federal support means they're not moving, and some of the same houses have been wiped out multiple times, and are still getting federal support to be rebuilt in the same place.

[tzakrajs]

Also that federal support comes without any funding to make the house more weather-ready for the next storm.