6 ms·

> People who blame homeowners though are all wrong. calculating risk/reward individually is extremely difficult to impossible Disagree here. It is absolutely a

> People who blame homeowners though are all wrong. calculating risk/reward individually is extremely difficult to impossible Disagree here. It is absolutely a part of the homebuying process - flood zones, etc., are required disclosures, and your lender will be involved, and mandate insurance. It's not something you can stand up later and say "Oh, but I didn't know". > and if some people did not and trusted authorities, you shouldn't blame them This is backwards. The authorities are the ones saying "this is in a flood zone", "you need flood insurance", the home insurers and mortgage lenders, too. It's that the homeowners don't care. "But my views are priceless", "I want to be by the water", "I'll be dead before sea levels rise", "If my house floods, I'll get the money to rebuild it and be put up in a hotel while that happens".

orwin 1y ago
If a home is recently built in a danger zone without adequate protections/failsafes, The fault rest way, way more on the developer who built it and the mayor who approved the permit. Do you expect random people to know more about flood danger than a developer and local officials?
- FireBeyond 1y ago
  I will agree with that - if it was in an existing flood zone, then yes, absolutely. But if that zone was designated after home construction, but you as a homeowner choose to buy the home having been informed of that flood zone, then...
  - orwin 1y ago
    In my country, you just can't build or sell houses in flood zone. What happened nearby (20km away from my house) is a mayor, who was also a developer, decided that an area 4-5m above sea level (with high tide at +3.5m with coefficient 70 I think, so +6m at 120) was "protected" by the new 3m tall dike/embankment (not sure about which word to use in english). Scientists and experts told it wasn't enough, he built houses anyway, i think the oldest house lasted ten year and the most recent five until a tempest came, with a high tide. 3m of water in the area (that couldn't go out because of the dike), houses were fully automated so people couldn't pass through the electric roller shutters to leave there home and go on the roof, and i think half the people died. The mayor was still reelected.

orwin 1y ago

If a home is recently built in a danger zone without adequate protections/failsafes, The fault rest way, way more on the developer who built it and the mayor who approved the permit. Do you expect random people to know more about flood danger than a developer and local officials?

FireBeyond 1y ago
I will agree with that - if it was in an existing flood zone, then yes, absolutely. But if that zone was designated after home construction, but you as a homeowner choose to buy the home having been informed of that flood zone, then...
- orwin 1y ago
  In my country, you just can't build or sell houses in flood zone. What happened nearby (20km away from my house) is a mayor, who was also a developer, decided that an area 4-5m above sea level (with high tide at +3.5m with coefficient 70 I think, so +6m at 120) was "protected" by the new 3m tall dike/embankment (not sure about which word to use in english). Scientists and experts told it wasn't enough, he built houses anyway, i think the oldest house lasted ten year and the most recent five until a tempest came, with a high tide. 3m of water in the area (that couldn't go out because of the dike), houses were fully automated so people couldn't pass through the electric roller shutters to leave there home and go on the roof, and i think half the people died. The mayor was still reelected.