re: Why do so many not have flood insurance?

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Because the government and flood insurance industry do a piss poor job of making logical sense to most people when it comes to explaining flood risk, flood maps, flood insurance, and everything else related to it.

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No doubt with that, but sometimes you just need to do your homework and get informed. Hopefully after the most recent flooding people will now purchase flood insurance and people won't have to rely on FEMA to help. Even if they get $32K, no way that will make them whole. That won't even cover contents, let alone the house.