Every year the local, state and federal government plus the insurance companies spend hundreds of billions on repairing or replacing infrastructure and buildings. FEMA got tired of paying for a small town on the Illinois side of the Mississippi River and rebuilt it out of the flood plain. They saved Cairo, Illinois which would have to get a lot better to be a bad slum by flooding prime farmland in Missouri.

            Much of Louisiana is a swamp and below the levied surface of the Mississippi River. Katrina showed how far below sea level much of the city is. We spent two billion to try to withstand the next category three storm. Ida was a strong 4 and missed. Still, it was damaging and the electrical supply lines were destroyed. More money was needed to put it back together.

            Why do I have to pay for damage done to property in floodplains, swamps and hurricane prone states? My home insurance went up 10% to offset losses from last year. Many insurance companies have pulled out of those areas and states that get huge claims each year. It will only get a lot worse.