Federally subsidized flood insurance that encourages people to rebuild in the same location may not be the best approach...

https://www.nrdc.org/experts/rob-moore/flood-rebuild-repeat-need-flood-insurance-reforms

https://www.bloomberg.com/news/articles/2017-08-23/trump-fema-chief-supports-cutting-coverage-for-flood-prone-homes

http://www.motherjones.com/environment/2017/08/hurricane-harvey-is-going-to-slam-into-texas-and-the-national-flood-insurance-program-is-a-mess/

http://reason.com/blog/2017/08/28/hurricane-harvey-and-the-national-flood

"Federal Emergency Management Agency data shows that from 1978 through 2015, 3.8 percent of flood insurance policyholders have filed repetitively for losses that account for a disproportionate 35.5 percent of flood loss claims and 30.5 percent of claim payments,"

http://www.politico.com/magazine/story/2017/08/29/a-storm-made-in-washington-215549