Husseincare grows?
Sell flood insurance to people who build in areas that routinely flood and
an inevitable outcome will be costs from floods will exceed premium revenues. The socialist solution is to find a way to FORCE AT GUNPOINT smart people who DON’T live in areas that flood to subsidize the others.
Redraw the maps to and voila....instantly you have tapped into a HUGE
slush fund. The problem is peop!e who insist on building and living i
areas that flood, coasts that see hurricanes and putting up matchstick
homes in tornado alley.
Building codes that were realistically designed for these risks would solve most of the problems. The initial cost to build might be very high but it would be much cheaper than constantly replacing homes.
Elevate houses in flat areas that flood. DON’T allow building in canyons where flash flooding happens. Dome homes of concrete resist tornados and hurricanes. And along coasts that see storm surge......NO HOUSES. Building there is just stupid.
You can be placed in or out of a flood zone depending on who your congressman is, and how much you pay him.
Bkmk- project???
In order to build, I had to create a 21 page permit application that included location maps, elevation certificates, elevation plots, forms, etc. The instruction book for this permit application was 250 pages long. It took nine months for a response.
As the house was to be built on a hill (that didn't show up on the map), the first sentence of the response was "You don't need a permit". That sentence was followed by two pages of nearly incomprehensible legal reasons for the finding. That was probably the worst response I could have gotten. Many of the local authorities simply ignored it, demanding that I have a permit, anyway. It was, of course, impossible, since other bureaucrats deemed that I didn't need one. One county official declared I needed flood vents. Flood vents allow water INTO the house, to prevent it floating up out of the flood. Since the house was to be on a hill, the only place to put the flood vents would be many feet above the 100 year flood level. This particular official called my basement contractor on his cell phone while he and his crew were in trucks driving to the construction site, insisting that the work be stopped immediately, or he (the bureaucrat) would not approve any future work of the contractor.
In spite of all this, the work was finally completed, though about a year and a half late. It lies 8 feet above the 100 year flood plane, based on a flood in the 1950's before any flood control dams were placed. I am not paying Obama a penny for flood insurance, though it's only because I have no mortgage. The only leverage the government has to force you to buy flood insurance is to associate it with a mortgage.
Meaning they are predicting higher flood levels based on global warming and melted ice caps. This will pull far more homeowners into the flood insurance pool to subsidize those who truly do live in flood zones.
It's a total scam.
I bought a house on a lake (man-made lake with a dam). The house sat on a bluff about 70 feet above the waterline. Because the property “touched” the water, it was considered to be “in the flood plain”. There is NO physical way the water could ever rise to 70 feet above the dam! We challenged it and won. No flood insurance for us.