The only reason for this stupidity is the subsidizing of property insurance by the Federal Government. People should either (a) NOT build/live in these areas, or (b) pay the full-freight cost of the actual financial risk. But Noooooo. Government subsidies (at the expense of others) allows people to act stuuuuupidly.
Same way with farming. Government should not be subsidizing farmers who plant in areas subject to drought, flood, hail, insects, disease, etc.
Hurricane Sandy is a good example that all along the east coast (and the gulf) you are only good until the next hurricane. Of course, the rest of the country will fork out tens of billions to save your ass for being stupid.
LOL. So, every place should be off limits. Why don't you say what you mean, Rectum? Are you afraid it will sound stupid?