[stevenwoo]

I think we see the reasoning a bit in the current flood insurance program in the United States, the federal backup insurance plan has become the sole insurance plan for a lot of homes built in areas where there were flood plains in the past or are now in flood plains due to climate change or our past definition of 100 year flood plain (used for pooling into requiring flood insurance) was not a good measure. The home owners do not want to move and will not accept a buyout at a realistic price, and we get homes in flood plains getting rebuilt 10 and even 20 times. https://www.wsj.com/articles/one-house-22-floods-repeated-cl...