Yep. Of course, the fact that there is a single source for flood insurance isn't helpful.
The building that was on fire over by Harrigan has collapsed, and the fire department finally found some water pressure (dunno if it's residual pressure from the hydrants or if they strung lines to the flooded area and are pumping water from there).
Hell! Most of the poor homeowners didn't have any homeowners insurance at all. Which is probably why a lot of them stayed. If I didn't have any homeowners insurance, I might have stayed too.
We live in the San Francisco Bay Area, and we don't have earthquake insurance. It is very expensive 2000/year, and it has a 10% deductible. Well, most of the homes in the area are worth around 1 million dollars. You'd have to have over $100,000 in damage before insurance even kicks in. That's a lot of damage. Basically, it only covers you if you loose everything.
Most of us are not going to loose everything.
At 2000/year, I'd rather save that money and invest it in my own accout to pay for damages.