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 …
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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2/2 And what about once in a generation or a “100 year” flood? Do we not use land that has never flooded before because of one outlier flood? E.g., how do you respond to an event like the Iowa 2008 flood? https://en.m.wikipedia.org/wiki/Iowa_flood_of_2008 …
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The policy should be to buy these people out and bar construction in known flood areas.
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