I say let people build where they want.
I also say what happens as a result is between them and their insurance company - not the government.
If insurance companies decide not to insure in specific locations because the risk is too high then that will limit what many can do with that land. And for those who can afford to do it anyway, that’s fine too. They’re the ones taking the risk.
If insurance companies decide not to insure in specific locations because the risk is too high then that will limit what many can do with that land. And for those who can afford to do it anyway, that’s fine too. They’re the ones taking the risk............
Seems smart to me but look at the flood insurance provided the feckless homeowner who builds in the lowlands. How soon will the taxpayer be asked to subsidize the mountain homeowner thus encouraging more unwise habitation.