I'll say the same thing. Ditto for homes on barrier islands up the east coast.

Homeowners in risky areas need to start paying rates that reflect the actual risks. There are three ways forward, IMO:

1) Build homes in risky areas extremely inexpensively, making them easy to replace quickly and affordably.
2) Build homes in risky areas extremely expensively with a design built to survive the known risks (elevated in flood zones, flame retardant in fire zones, etc).
3) Continue the current system where people in low-risk areas subsidize the people in high-risk areas.