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If someone builds in a flood plain or an area prone to flooding the government should have nothing to do with any structure on it.
I remember when NJ went under and the news was interviewing people who just lost their homes and this one woman said, she had done her homework and that house hadn't flooded in fifteen years. Wait, you mean I have to have my taxes and insurance go up because you want to live somewhere where water can get and do damage? New Orleans, same thing, you are living below seal level and on the coast, sorry but even my dumb self can see that math doesn't add up.
If someone insists on living in an area like that the insurance should be private.
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Electrical problems on a pick-up will do that to a guy- 1990C4S
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