They shouldn't be my problem, and I say that as someone who lived in a flood prone home with no flood insurance as it was ridiculously expensive for pretty terr

They shouldn't be my problem, and I say that as someone who lived in a flood prone home with no flood insurance as it was ridiculously expensive for pretty terrible coverage. I wouldn't have lived in that house if I was unable or unwilling to deal with the consequences of a flood, no one else should either.