“The problem is peop!e who insist on building and living in areas that flood, coasts that see hurricanes...”
No, you are wrong! That is not the standard FEMA applied in their flood re-zoning. FEMA applied the ‘take as much land and assess as much liability as possible’ standard.
I am in FL, 16 miles from the ocean at 42’ elevation. My slab is 3’ above grade yet due to a swamp at the back of the property it is considered to be in a flood zone. When FEMA re-zoned they pushed the flood plane 30’ onto my property and declared it a special flood zone due to the swam which drains into a small lake nearby. We had an excessively wet summer and while the water got to within a foot of road level it was 4’ below my slab. There will be standing water 16 miles to the ocean before my property will flood. Since all of FL is an aquafer that will just never happen.
So the problem isn’t with the people it’s with over-bearing and over-reaching bureaucrats making their living at the expense of the people -as usual.
Aren’t FEMA flood maps supposed to cover 100-year floods? If you had water within four feet of your slab after a wet summer, it seems to me they’re probably correct to cast it in a 100-year flood plain.
So, no one lives on the coast. No one lives near rivers or flood plaines. or swamps. No one lives in smaller flood areas like creeks or lakes. Let’s not let people live where there are tornadoes, earthquakes, brush fires or landslides. /s
Actually it’s both...it’s people building in areas that will lead to catastrophic loss causing insurance carriers to pay claims driving up costs. Since the insurer is .gov they have the communistic option of manipulating the system to require people who don’t need the insurance to buy the insurance.