[whimsicalism]

democracies generally will not be able to insure at a sufficient level. i'm opposed to having the government force me to subsidize others poor choice of environ. if someone wants to live in a fire-prone or hurricane-prone area, that is their choice and they should be exposed to the true cost of insuring themselves and hopefully this will cause people to move somewhere safer instead or make changes (like a sturdier home, clearing brush, etc.) that reduce their rates.