They all had the option to buy flood insurance, too, I think. But, this nonsense cuts off insurance for many.
If a house can't be insured, it probably should not be built.
If you really want to live on the beach where you're gonna get flooded out, build a shack and live happily on the beach. When that one gets washed away, build a new shack, and don't complain about it.
This isn't rocket science!