[The Working Man]

I agree with you, those who are in flood prone areas and ‘know’ it should pay for the full cost of their flood insurance.

But on the other hand what about those floods that have been caused by the Corps of Engineers, The Mississippi River Levees that were broken in Missouri for Example. Or the Floods in Fargo, As I understand it the Corps was told there was a danger from excess snow pack and rains in the Fall and Winter. They were told they needed to reduce the pressure on the dams and flood control system before the spring thaw.

So other than Mother Nature the Federal Government is a major player in the cause of floods or the exacerbation of the floods.

[Vigilanteman]

Excellent point. And blaming the homeowners for building next to a river may not cut it for these reasons:

1. The river was not flood prone until Fedzilla decided to build a damn dam upriver in order to create some nice reservoir side vacation homes or whatever.
   
2. The government is fond of making developers provide "green space" or other public amenities in return for issuing a permit to construct on private property. They need to provide something to people downriver in the form of diversion channels or subsidized flood insurance when they construct projects upriver which worsen the potential for flooding.
   
3. Realators, in particular, are notorious for pushing governments to enhance their private wealth by building roads, sewer systems and the like to make their developments more attractive, then shifting the costs to others when things don't work out.