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Americans Are Alarmingly Underinsured for Flood Damage
(jacobin.com)
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To be fair, it's entirely possible that they've been refused insurance. My relatives near water cannot get insured for anything less than a small fortune. Insurance companies know that climate change is making disasters more likely, and they're adapting. Hell, I had my auto insurance literally drop me over wild fires here in California (despite me living in an urban area that will never have one), and that's literally mandatory coverage to drive.
What company? Name and shame
Esurance