Blackhawks cost about $6 million. How much insurance can you take out? Enough for a helicopter? How bout $32 million for a Chinook?
What would it cost to replace that C-130 gunship that they used to scan Mt. Hood for body heat? About $190 million each for an AC-130U Spooky model, $132.4 million if it was an older AC-130H Spectre. AND that's in 2001 dollars. Kinda impossible for one person to insure against. You have a real point there AROTC