Well maybe the insurance companies know something that the rest of them choose to ignore- namely you don't build below sea level in a hurricane prone area.
If insurance companies won't insure them the rest of us don't want to pay for their ignorance/stubborness.
"If insurance companies won't insure them the rest of us don't want to pay for their ignorance/stubborness."
As long as the Federal government underwrites Flood Policies, YOU will pay whether you like it or not. It has nothing to with ignorance or subborness. You are making a mistake when you think Flood Insurance is underwritten by private Insurance companies.