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I am required to get flood insurance because I live in an A1 zone. That said, my neighborhood hasn't flooded in the 25-30 years since it has been built. It covers none of my personal property (I could purchase more, if I could afford it, but I can't). My regular home owners is $788 a year, my flood insurance this year was $1180. My home owners covers everything in my house, my flood insurance only covers the physical structure, furnace, hot water heater, and washer and dryer that are in the basement.
kddani was talking about the flood damage in West Virginia and Pennsylvania, where people don't usually buy hurricane insurance. The vast majority of people who aren't required to buy flood insurance, don't. It's not a crime to not buy insurance for something that is extremely unlikely to happen. It's extremely unlikely that people in some of these areas that flooded from Ivan would ever get as much rain in as short of a time period as they did.
I don't see why we would even consider turning our backs on our citizens, after they've lost everything they owned, their place of employment is destroyed or closed indefinitely. It's called compassion. You're just going to let families live on the streets with no access to their money, their belongings, anything? That would be completely barbaric.
Dee
ETA: I never answered the original question. I think it could affect the election because people tend to vote on how things are for them RIGHT NOW. I don't think that's fair, but it's the reality.
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