re: $32K max from FEMA but the average is $7500 paid out?

quote:

---

But that decision would have been made beforehand... And if something has no chance or almost no chance of happening, I can see why someone, probably most reasonable people, would not insure said event.

---

Fair, but the event is still possible, and the insurance rate is commensurate with the risk of the event happening. The people who have "almost no chance" of flooding will pay incredibly low rates for flood insurance. That is how insurance works. If you choose to opt out, the risk doesn't go away. You're taking a gamble. I've honestly got no qualms about people using FEMA aid - that is why it exists - but the excuses as to why they didn't have flood insurance or why they didn't self-insure are useless.