I could have picked any place in the US to live. Why do you think I am in Kansas? Looks like another 100% increase in my homeowners insurance because of people who want to build 20 feet below sea level or in a beach house that gets washed away every other year. I feel no mercy for anyone who chooses to live within 100 miles of the ocean. 22 years on the sea was plenty for me.
And when a tornado destroys your Kansas home I do not expect you to have your hand out to the Feds.
I live about 30 miles from the ocean there is 2500 foot mountain between me and the ocean. I guess I get no mercy when those waves hit me. HaHa.