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Re:Climate change has turned permafrost into a carbon emitter by vonmoltke on Wednesday October 23, 2019 @11:14PM (#21341353)
Flood insurance is a national program underwritten by FEMA. We have it on our house in inland New Jersey, because we're on a river.

You may be thinking of the windstorm insurance program. The state of Florida underwrites that, and started it as insurance of last resort after insurers started bailing following Andrew.

Re:Climate change has turned permafrost into a carbon emitter by Ididntdothis on Thursday October 24, 2019 @09:18AM (#21344381)
Possible. The point was that people kept building mansions in clearly unsuitable areas and when the private market wouldn’t insure them they made the government do so.