You mean the same policy that resulted in a whole bunch of people living in flood zones? And which we can't get them to leave because it would be politically un

You mean the same policy that resulted in a whole bunch of people living in flood zones? And which we can't get them to leave because it would be politically unpopular to raise their insurance premiums to reflect their actual risk? That seems more like an example of exactly why we don't want the government -- which inevitably means politicians -- setting insurance rates.