Dumb post, for a number of reasons....
1. Fully 2/3 of flood insurance claims are from areas that are not considered flood zones. In other words, 2/3 of the people who file flood claims are building houses outside of those places you're griping about. Stupid people should have built at the beach. Point is, you never know where a flood can happen.
2. The vast majority of homes along the coast will never be damaged or destroyed by a hurricane. I feel quite safe 1/2 mile from the Atlantic on my little barrier island, thank you very much. Could it happen? Sure. But trust me, the odds are on my side.
3. This nation grew up along the waterways and sea coasts of this continent. Like it or not, that's where the development happened. It wasn't by accident or poor choices. If you want to complain about people in the 9th Ward of New Orleans, let me know how relocating a lot of lower Manhattan works out for you.
4. Are you advocating building outside of tornado, tsunami and earthquake areas as well? Going to get mighty crowded on that hilltop in PA you call home.
Yes, the National Flood Insurance program is subsidized by tax dollars, but it's not like people who use the system haven't paid something into it, and a lot of us who do pay into it will never make a claim (I don't live in a flood zone, I carry flood insurance by choice)