The reason mortgage lenders make you buy flood plain insurance if you buy a home in a flood plain is that the home is likely to get flooded. I am not sure what Congress' rationale was back in 1968 to pass a law allowing people to keep putting in homes where they should not be, but I am glad to see it coming to an end. I feel sorry for the people who have house in the area and likely the ones who bought houses there under the old program should be grandfathered in, but it does not make a lot of sense to keep subsidizing such behavior.
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