But yet in the case of Sandy Hook, you claim we must be proactive and protect against what may happen.<quoted text>
Because nothing like this has ever happened to this area, and no one dreamed that it ever would, so the people there saw no real need for flood insurance, I suppose. No one had the extra money for flood insurance. If we could look into the future to January 2, 2014 and see that our home was still intact, would we buy homeowners insurance? Nobody expects disaster to come their way. That is human nature.
Are we flip-flopping?