What, Me, Flood?

John B. Vinturella is critical of the National Flood Insurance Program (NFIP) for subsidizing people moving into flood prone areas. While I agree that the federal government shouldn't be in the business of insuring peoples' property - we have insurance companies for that - we should not blame the program for that. The blame goes squarely on Congress because it is they who created the program in the first place.

If flood insurance premiums are too expensive in some areas, maybe it is for a reason.