The federal government is in the business of guaranteeing mortgages (a vast majority of mortgages), and is, therefore, able to create requirements for those who finance their homes with those mortgages…

Now, imagine you are a federal agency (FEMA) that is highly corrupt and likes to spy on people and plans to potentially round up dissenters before and during a potential civil conflict.

This will cost a ton of money.

Scratch your head... [lightbulb!]

Reach over to your federal mortgage guarantor buddies and tell them to require flood insurance to be paid, to you, by their mortgage holders, whose property falls within a flood zone.

Remember that YOU define flood zones, nation-wide...

The federal government is in the business of guaranteeing mortgages (a vast majority of mortgages), and is, therefore, able to create requirements for those who finance their homes with those mortgages…

Now, imagine you are a federal agency (FEMA) that is highly corrupt and likes to spy on people and plans to potentially round up dissenters before and during a potential civil conflict.

This will cost a ton of money.

Scratch your head... [lightbulb!]

Reach over to your federal mortgage guarantor buddies and tell them to require flood insurance to be paid, to you, by their mortgage holders, whose property falls within a flood zone.

Remember that YOU define flood zones, nation-wide.

...