It's not just those who live near a beach.....they are the ones effected by flood damage, but others who live near ponds or water ways (NEAR not on) who have never been effected by flooding, are now paying hefty flood insurance bills to finance those actually effected. Why did the government take on offering flood insurance when insurance companies dropped the policy cause it wreaked havoc with profits. Now anyone living near so much as a "puddle" has to pay flood insurance at increased rates to try to cover those who's homes have been flooded. My home in MA is a property that has been forced to pay for flood insurance I will never need. If my home got flooded, it would take a tidal wave of huge proportions and I wouldn't need flood insurance, we would be in a disaster area receiving federal funds.
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