If one doesn't have the financial resources to afford living with the storms, yes, they may have to move to a cheaper location. Insurance is just part of the picture, but if you are living paycheck to paycheck, then you need to either shop around or relocate.
There are no guarantees in life, and sh*t happens to everyone from time to time. government doesn't solve problems until it becomes a very serious issue, and the insurance problem isn't quite there yet, but it might get there. Unless the political contributions buy the lawmaker, which has become the inherent risk in this country now.
good luck all, but you are not guaranteed to live anywhere in a static financial condition.
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