[justin66]

But it is subsidized by one’s fellow taxpayers.

[Fatnino]

Only sort of. People who live in flood zones are subsidizing all the other people in the flood zones much more than say a homeowner in Colorado.

[justin66]

I don't live in a flood zone. How do I opt out of subsidizing any of these people's flood insurance at all?

[Fatnino]

You pay taxes, the people in flood zone pay taxes. The same.

Then on top of that, flood zone residents have to pay extra for the flood insurance.

[justin66]

You don't understand what "subsidized" means, do you?

Their flood insurance costs less than it otherwise would because those of us without flood insurance are helping to pay for their flood insurance.

It's fine if you think that's the way things should work, but there's no value in pretending it's not happening.