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If the lawsuit goes through, I imagine insurance on the coasts will increase dramatically. The only relief I would support would be low-cost government backed loans for rebuilding. If the federal government is willing to subsidize loans for low-income folks, we should extend some assistance to those in need. However, government-backed loans should have provisions in which flood insurance is NOT an option, and I fully expect and encourage insurance companies to charge premiums that reflect the risks of living on the coast. With higher premiums and no freebies from the government, I think some would reconsider (re)building on risky masses of land.