Just to give "the other side" of the story as it relates to government forced flood insurance...
We're lucky enough to live on the water in Tampa on a big parcel of land. The house was built in 1940 and is 125' from the water frontage, which is heavily tide influenced. I know the previous owner, who built the house, and he confessed that once the water came up about 30' onto the yard during the no name storm of 93 (https://en.wikipedia.org/wiki/1993_Storm_of_the_Century) which was impressive. Still, that's 100' from my house and the back door is 2' off the ground where the deck meets it. This past summer it rained every day for a month... literally every day. We got over 28" of rain in that timeframe and 110" for the year. During that time we had a summer full moon tide and it was only 10' on my property.
Still, I'm required to carry FEMA's flood insurance at $1200 a year, which will go up to $1800 annually once the Biggert Waters Act goes into effect (right now 2017).
For those bemoaning that your tax dollars are going to rebuild people's businesses and homes, at least that's one thing you can point at and say "Hey, my tax dollars helped someone get their life back." As someone who's done a lot of government work over the last 25 years, that's the least of your worries as to where your tax dollars are going. It's not like they're going to lower your taxes when they institute the Biggert Waters Act, they'll just buy more $10k hammers.
Additionally, there are millions of us paying thousands of dollars annually to carry insurance in addition to the regular homeowners insurance. Between flood insurance, homeowners and property taxes, it's $800 a month.
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Today's Featured Article - Upgrading an Oliver Super 55 Electrical System - by Dennis Hawkins. My old Oliver Super 55 has been just sitting and rusting for several years now. I really hate to see a good tractor being treated that way, but not being able to start it without a 30 minute point filing ritual every time contributed to its demise. If it would just start when I turn the key, then I would use it more often. In addition to a bad case of old age, most of the tractor's original electrical system was simply too unreliable to keep. The main focus of this page is to show how I upgr
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