"Who would have thought to buy flood insurance four a house high upon a hillside?"

Anyone buying a underground house, I would guess.

"When we first moved in, we ran the electric system for two weeks, nearly froze off our tail feathers, and paid double what we had been paying for natural gas heat in our previous home of 1,000 sq. ft."

Gadzooks a 2,500 sq. ft home with 14 foot domed ceilings cost double to heat then a 1,000 sq. ft home... The horror!