Perhaps the feel good statement comes off inflammatory but everything you said are nice ideas but lack how it actually get implemented. I am only suggesting that I am not sure having the government underwrite risk is a good idea, these funds are often underfunded and not underwriting the actual cost of loss correctly. It is funny because I don’t like the current constructs of health insurance in America but I think other forms of insurance work. On that side I think a form of a single payer system would work better, probably what you envision but not shared is like.

Again my point is simply that I think it can make sense for the government to underwrite if it requires moving those individuals out and not providing coverage to new homes that are in a flood zone. But I don’t think economically it works out going forward to just cover everything and anything.