Seems to me that if someone lives in an area that is prone to hurricanes, tornadoes, or live in an area where flooding is possible, responsible people have insurance. Not having insurance for events that are clearly possible is not a good idea. I also get a little annoyed when those that have chosen to NOT insure themselves expect the public to bail them out.
The same is true in my region where we face real risks of wildfire, earthquakes, volcanic eruptions, and tsunamis.
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