This is an excellent question. If you knowiningly build your home in a flood zone, it should be your responsibility to get insurance for it, not the governmentshttps://twitter.com/MeetThePress/status/1079382622864900097 …
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Then people need to find somewhere else to live. There are some areas where we should not be building at all, such as known flood zones.
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It’s a little more complicated than that. Many of these are homes that were built years ago. Also, flood plains and flood risks vary considerably, and some are getting worse with climate change. 1/2
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