re: Why do so many not have flood insurance?

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I understand that, but if that didn't teach people that anything can happen, like levee walls breaching, then I don't know what will. I truly don't think there is anywhere in this region where you can say, cannot be flooded. I am talking about SE Louisiana.

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If we are going to make insurance decisions based on the reasoning that anything can happen instead of proper risk analysis then everyone should start buying additional life insurance every time they fly.
From looking at the aerial photos of the flooding overlaid with the flood maps of the Baton Rouge area, probably 99% of those that didn't require flood insurance and didn't buy it made the correct decision. There are those that did get water in areas that never flooded before, but that was from a flood event that had a 0.1 percent or 1 chance in a 1000 of happening.