We are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for.
Pennywit revisits the issue, one which always deserves revisiting. Morgagees must always have it - what bank would not insist? There is a larger question: Why do local governments permit building on flood plains and coastlines where flooding is certain? Well, we know the answer: It's about development and real estate. My opinion: I hate the idea that my taxes might be subsidizing insurance that permits people to live in zones where commercial insurors are unwilling to assume the risk. In the part of Cape Cod that I tend to visit, we see houses disappear into the ocean every winter. There's an expression: "Cape Cod Real Estate - Going Fast." The Atlantic is eroding the shoreline at an average of 3 feet per year. Got to accept nature's power.