Please be clearer about what you are asking.
Are you implying a flood wasn't an expected eventuallt calamity in New Orleans? I live near the water so I do have flood insurance;
"Terrorism Insurance??" How many times has THAT occured??
And since I don't live in tornado alley, I don't have tornado insurance OR even avalanche insurance....But guess what -- I don't have asteroid insurance either. Should I??
Needless to say, those who ignored having a flood insurance policy with their real estate lying below sea level were just plain stupid.