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Precisely. Like a lot of other parts of the country I'm sure, here for example if you choose to build your homeThere's a reason why private insurance companies won't insure some of these places for floods.
in FEMA designated floodplains, you won't get flood insurance from any insurance company.
Common sense, eh?
Nobody is telling people NOT to build wherever they like - they just do so at their own risk, not anyone else's.