I’m torn. If our country ever goes back to normal, I’d love to be able to show my grandkids a Trump Bible 50 years from now. I like to think that they’d be shocked by the audacity of it - by the fact that a guy peddled something so blasphemous and still locked up the religious vote. But I know Trump is probably getting royalties on the sale, so I guess they’ll just have to take my word for it.
Private insurance used to offer flood insurance like 100 years ago, but to stay in business they had to raise premiums to a point where no one could realistically afford it (which is to say that living in a flood zone is not financially feasible for most people). The government had to step in with their own flood insurance program, which was tied to regulation intending to minimize the risk of flooding in at-risk zones so that premiums could remain affordable. Even these measures haven’t been sufficient to keep the program from running out of money, and we’ve been subsidizing it with taxpayer bailouts to keep it afloat.
All this is to say that private insurance is literally incapable of insuring against flood damage, so you can’t blame them for any of this. If you want to blame someone, blame Trump for rolling back standards that would have allowed FEMA to consider climate change in their risk models.