People live in high-risk areas - earthquake, volcano, hurricane, tornado, flooding, zombie apocalypse - because someone else is paying for that risk. We need to stop paying for other people to make bad decisions. Not because it will raise the debt, or one state is one color and another state another color. We need to stop paying for other people to willingly take risks because THEY need to pay for the risks they take. If you get in wrecks in your car, your insurance goes up. If you live where Nature destroys your things on a regular basis, you shouldn't get to make other people pay.