In the case of natural disasters, it is the right thing to do. There is even an arguement that it is constitutional,
And I will admit, that these bills are loaded to the dam hilt with crap outside of the issue. But they can build the bill to specify the issue, which they did not, nor never do.
No, it is the right thing to have insurance.
There is flood insurance for these things, and that is sponsored by the government. That is more than enough.
Idiots who buy houses on the coast and expect others to recover them are, well, idiots.