> FEMA’s research found that low-income households are less likely to purchase flood insurance than higher-income households, even though low-income families are more likely to live in high-risk flood zones.

[1] - https://www.nrdc.org/experts/joel-scata/flood-insurance-subs...

You should come to southern California. Loads of poor ppl living on the beach. Generation after generation. I'm not judging because that's my roots. Even in exclusive neighborhoods the poor, even dirt poor, outnumber the top of the food chain by dozens to one. Living close to the beach without an insurance company backing you is a normal thing here

I'm not saying we shouldn't fix our response to disasters: I'm tired of subsidizing luxury houses on the Outer Banks, for example. My point was only that getting rid of FEMA outright will harm people living in floodplains etc., who generally are poorer than average.