Posted by John in La on January 24, 2016 at 06:36:25 from (96.33.136.54):
In Reply to: Jersey shore flooding posted by Geo-TH,In on January 24, 2016 at 05:38:56:
I totally agree with you but there are always two sides to every story. We help poor people put food on the table for their children every month threw SNAP. Why not help someone that gets hit by a flood or tornado.
FEMA tried doing something about this with the Biggert-Waters Act of 2012. This made it to where flooded homes that had a more than 50% loss and all new construction had to be built above the flood plain. It also did away with government subsidized flood insurance.
There was a tsunami of anger nationwide as flood insurance went from hundreds of dollars to thousands of dollars. Some in high flood areas were given bills larger than their mortgage payments making their house worthless for resale. This would be detrimental to homeowners and banks across the country. So congress came out with the Homeowner Flood Insurance Affordability Act of 2014. So now you once again pay for flood insurance threw your tax dollars going to government subsidizes to lower flood insurance in high risk areas.
This all comes up again in 2017; oddly enough right after the elections are over. They are talking about doing away with the flood maps and going to a more widely-held flood (and disaster) insurance that more closely resembles auto insurance where the risk is spread out among all drivers and vehicle owners. So then someone in tornado alley; flood plans; earthquake areas; and the average joe in middle American would all pay the same rate no matter what the risk is.
We have allowed people to build in high risk areas for many years. Then we turned into a compassionate humanitarian gota help your fellow man society somewhere along the way. So now rather than one saying you made this bed you lay in it; we say How can we help you.
While it would be great (And I think they should) to just turn off the faucet and say every man for himself that is not the way amercia has chosen to be. Not only would it be political suicide; you are talking about disrupting our entire banking and insurance system; not to mention millions of lives.
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