Whenever property is completely destroyed in a floodplain they could offer say a 5% bonus to their insurance payment from the government if they give up rights

Whenever property is completely destroyed in a floodplain they could offer say a 5% bonus to their insurance payment from the government if they give up rights to that property and no longer use it for housing or business, alternatively they could rebuilt the structure on pylons, propping it up above the flood levels. And if they decide to rebuild despite that offer, you could remove all eligibility from the subsidized cost of government-backed flood insurance, and instead let them take on the full cost of private insurance flood coverage rates.