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People should only live in flood zones if they build to withstand floods. Federal insurance shouldn't subsidize their bad choices. Little by little, insurance prices will begin to reflect the real cost.

When we were looking for our riverfront vacation home, I was astonished at the cavalier attitude of the sellers. More than one bragged how they made money from having flood insurance, which was dirt cheap even though they had been flooded multiple times.

One braggart's property in particular was very tempting, and it was hard to see the money the buyers were getting on VRBO for their vacation rental. They had one very profitable year until another flood came and got to the second floor of the home. This was near Hershey PA, where the flooding has been blamed on permeable surfaces being paved over in the conversion of farmland to suburbs. We saw the listing back on the market as a foreclosure, and stayed far away.

There is a reason why it took us 11 years to find the right property for a vacation home. It's a bit of an art to find a waterfront place with view and access that is unlikely to flood. Your link shows that our house has very low risk of flooding, but I can't say the same for my neighbors. Interesting tool. Thanks for sharing.

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