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I suppose those choosing not to arm themselves against a worldwide pandemic is the same thinking and rational that lead them to choose not to purchase flood insurance.

I don't suppose you have any idea what flood insurance costs do you? Many of those same people are retirees living on fixed incomes...they can't afford it.

Many lived in rental properties whose landlords neither have nor are required to carry flood insurance. It's a luxury reserved mostly for those who can afford not to have flood insurance.

I lived in a flood zone for 44 years...I could never consider flood insurance simply because it was too expensive. The last 20 years there I didn't even have homeowners insurance for the same reason. Property insurance is expensive here because we have hurricanes. I couldn't even afford to remove the trees near my house so I could qualify for homeowners insurance.

If you don't have a mortgage you don't even need home insurance. And flood insurance is completely optional. If it hasn't flooded in your area for 500 years it makes little sense to do without food so you can pay for insurance you probably will never need.

Good coffee, good weed, and time on my hands...