Help me out. Not one private insurance company will insure against flooding, with the risk being too great. Apparently, the U.S. government decided that taking the risk to build in flood zones was an American birthright and that U.S. taxpayers would pay for losses of people who took on unreasonable risks. OK, fine, strike one for government overstepping its authority. The other night I saw a television commercial goading people to sign up for flood insurance. So now government has to increase the risk of taxpayers to bail out stupid people by encouraging them to live in flood plains and shove their losses for such stupidity onto others?