> And also, dont count on the government, like FEMA, to help. Now with phrases like "climate change", and "green" now banned from federal discourse, we're not permitted to say the obvious.

It's a cold calculus, but a government that is ideologically opposed to the science of climate change is more rather than less likely to help bail out flooded properties. With such a… fixed opinion, the hidebound government agencies can't allow themselves to think that the overall risk profile has increased, so they'll be surprised by a hundred-year flood every 10 years.

The confounding factor is that the current US political mix combines ideological opposition to climate change science with opposition to well-functioning assistance programs, so on balance there may be nobody left to write the bailout cheque.