Hawaii is not known for top teir intelligence on average:
The state allowed people live/build/farm there. It didn’t require insurance. And the state did not have a contingency plan in place to deal with people who can’t afford to live anywhere else. Meanwhile, federal taxpayers will be on the hook for some of Hawaii’s stupidity.
http://www.staradvertiser.com/2018/06/12/hawaii-news/fema-getting-ready-to-offer-grants-up-to-34000/