Originally Posted By: harstad
While, I would rightly say that guy is an idiot, who is rebuilding his house? I assume he must have insurance therefore he is paying for it. Im am unsure of what exactly you are being asked to provide. You volunteer, which is good, but no on is forcing you to do this. I absolutely agree that he should pay for it, but I am unsure of how you think he isnt.

Well, if he lives in a flood zone, every taxpayer is subsidizing him. If he relies on insurance to pay for the damage, every person who pays for property insurance pays for his losses through higher premiums. After particularly destructive disasters, costs for construction materials usually climb for a large part of the country (supply and demand), so we all get to enjoy higher prices for our own projects, even if we live thousands of miles away from "the zone".

So you see, it doesn't affect only the person who chooses to live in "the zone", it affects all of us.