Perhaps I wasn't clear enough. It wasn't my intention to criticize anyone flooded by Sandy (although there might be some portion that qualify). I was addressing broader issues raised by Bats. There are people in the Midwest and South (and probably other regions) that live in flood plains and literally get flooded out every few years. I have no sympathy for those people. If you live in a flood plain and have to rebuild your home multiple times take a hint and rebuild out of the flood plain.