this post was submitted on 16 Jan 2025
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We definitely need some sort of phase out of coverage for some areas. Something like a lower proportional coverage the more times the area is rebuilt after a natural disaster. There is no reason anyone in the Florida keys should keep getting coverage and rebuilding. It's been impacted over and over again. People have rebuilt more than 10 times. Ontop of that it's sinking into the ocean.
Edit: saved before finished.
However, these are not going to be popular policies anywhere. People leaving their hometowns are going to be mad. People who have to deal with out-of-towners coming in and buying all the housing driving prices up are going to be mad. I seriously doubt there will be any political appetite to push for similar policies.
Cap how much is covered so that anything the price of a normal house for someone to live in is covered, but you pay the luxury tax.
I think that would be hard. Who decides? How big of a house. A 900 sqft house costs far less than a 3200 sqft house.
I'm sure we will end up with a hodgepodge of solutions in the end.
Median house price could be a starting point
House sale prices? That's even harder because house prices includes the land that the house sits on.