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comments about why people build in flood planes was NOT only directed to that catagory. I also include in that question people who build multi-million $ homes on the Ca. coast, and in Fl. too! I find it incredible that people build a $1,500 home on the Fl coast, it gets destroyed by a hurricane, they get the ins. $$, rebuild it, and it gets destroyed AGAIN, AND the cycle starts AGAIN!
As to my comment "I'd love to have a place where I could walk out onto my deck and watch the ocean...". I grew up in Pgh, which is certainly nowhere close to a coast, but we did have 3 major rivers. Some people lived in homes along the river that were flooded every year during the spring thaw because the housing was cheap, and it's all they could afford. Some others were different. I worked for the Fed. Reserve Bank a LONG time ago, and my boss lived in a nice house along the river. It was 250 yards from the shore line. Every year, during the spring thaw, his home was threatened by flood waters, and he would agonize over how high the level was going to go. Most of the time, he didn't have a problem. Once every 10-15 years, his 1st floor would be destroyed, and he'd have to redo it. I asked him "Why don't you just move?" His answer was, "It's worth it to me to take the risk of flooding, in exchange for me to be able to sit on my back deck and watch the water and the sunset every night!" THAT'S whwere my comment came from. He's not alone! Listen to some of the wealthy in costal towns after a disaster. Most of them say, I'm going to rebuild, I LIKE it here!
I guess the bottom line is, should people be permitted to build homes in high risk areas? If you answer yes, should there be restrictions? ie: You can't buy cheap land to build cheap housing that you can rent to poor people just to make a profit but expect the general population of the US to take the risk for you. or If your home is destroyed by a flood, you can rebuild ONCE, but can never get insurance on it again! The risk is ALL YOURS!
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