First off Randy READ my post and replies CLOSER!!!!! I am all for getting rid of Federal subsidized insurance for anyone for anything. That includes crop insurance and flood insurance. By the way I have not carried crop insurance in over 15 years. I have not taken FSA payments in over 25 years. I should amend that I have had some conservation projects cost shared but those were 20 years ago or more.
People jumped to the conclusion that I was hammering the people in LA. I was really POed about some home owners in Clayton county IA. They built homes in a rural area and in a valley that was know to flood regularly. Private subdivision type of setup. They have been flooded three times in 15 years. The first two times they got Federal Help to fix/repair their homes. This time they are playing the system to get called a community and then not only have the Federal government/taxpayers pay to fix their homes but to also build a levy to keep their homes from flooding.
As for the flooding in LA and other places. If it is a UNUSUAL weather event that causes REGIONAL damage then Federal help is warranted and correct. The current flooding in La would fit that description. If it is a small area like this one in Iowa I think it should be handled at the state and county level. Privately is even better.
The ones I think should NOT be covered are the ones that have weather related damage multiple times over relatively short periods of time. Example would be 3 times in 15 years. Another example would be homes built right on the coastline. They are prime targets for hurricane damage. You build along rivers, lakes, oceans or streams an are only a few feet elevated then your asking for trouble. Now if you want to build there and pay for anything that happens out of YOUR own pocket then build on.
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