Maybe I just feel like riling people up, but this topic upsets me as much as the human-baby-making-machines.
People who build in either obvious flood zones or right on the beach where they have high waves are stupid. They are moronic when they keep rebuilding every year or two when they are washed away. They are THIEVES when they take my tax money to do it!
If you ride a motocycle or bike without a helmet, that is your choice (If fact, I don't wear one on those rare occasions when I ride a bicycle). However, you better have good health insurance. I don't want to have to pay for damage you sustained (and critical care is super expensive) because you wanted your "freedom".
The same goes for building in a flood zone. In places along the Mississippi, it is obvious and well documented how the flooding works. It is even more obvious once someone's home is destroyed. When this happens more than once, they should receive NO assistance. Sure it is harsh, but if they are well aware (and I would suggest that all residents be forced to sign agreements in 1" type translated into all languages that explain in simple terms that come rainy season they WILL be washed away and we will NOT help them) then we can walk away guilt free.
It is bad enough that we have to pay for people who walk into cars (I am not talking about accidents, I am talking about deliberate morons) we shouldn't have to pay for these people either