Listed below are items not covered in the government’s flood insurance program. The government manages this program because private insurers do not want to undertake the risk of loss. For other forms of insurance, probability statistics make it possible for insurers to calculate the probability of occurrence so that what they have to pay out is always less than what they take in in the way of premiums. It is why many insurers dropped out of the market under Obamacare, because they could not accurately predict the number of claims by those who had preexisting conditions. For those who took the risk, it was only after they raised the premiums on existing policy holders and raised the deductible that many of them were willing to take the risk.
Health insurance does not affect the availability or cost of healthcare, only the ability to pay for it. The healthcare industry, including their insurers are a protected monopoly which is why the cost of healthcare continues to rise.
"Property coverage: Damage caused by moisture, mildew, or mold that could have been avoided by the property owner. Currency, precious metals, and valuable papers such as stock certificates. Property and belongings outside of a building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools. Living expenses such as temporary housing. Financial losses caused by business interruption or loss of use of insured property. Most self-propelled vehicles such as cars, including their parts (see Section IV.5 in your policy)."
The premiums charged by the government for flood insurance depends on the flood probability in various areas. These are qualified in zones of probability from 1% up. Anyone who borrows to build a home in these areas must obtain and pay for flood insurance. If you are not in these areas or own your home or rental property, this insurance is optional, meaning and loss due to flood would not be covered.
You will note from the exclusions that temporary living expenses are not covered nor are automobiles on the assumption anyone fearing flooding has had time to move their vehicles to higher ground.
The government will soon begin the program of paying those who obtained flood insurance and loaning money to those who didn’t. Neither of these methods is covered by the responsibilities of government in the original Constitution or the constitutions of any of the states. Like the money taken in to provide Social Security payments to those over 65, it is not put in trust to cover payments but to cover other government spending, the majority of which is also an unconstitutional incursion into the pockets of the taxpayers or worse, the perennial printing of money in the form of government borrowing from itself through the private banks.
Private charity through organizations such as the Red Cross and Salvation Army will provide clothing and food for a time until the people affected get on their feet and the towns will provide temporary shelter in public buildings until people can return to their homes.
Unfortunately, no money will be loaned to anyone unemployed and the hardest hit will be those unemployed living on the retirement income of their parents and not eligible for other government welfare programs. These will add to the ranks of the homeless and be unable to qualify for the numerous unconstitutional benefit programs provided by the government.
The above scenario is a characteristic of the economic system employed by every government in history where it is the government who determines who gets how much of what through the tax code. Where this leads is manifest in the mass migration of humanity now rampant in many parts of the world which is exacerbated by the continual increase of population. God encouraged His people to “go forth and multiply”. He should have qualified it by insisting that the multiplication stop at replacement when the production of food to fuel life is equal to its consumption. What we are seeing is not only multiplication beyond replacement but addition (legal and illegal immigration) and it is unsustainable.