There is a little known and little understood problem that comes along with all this. It appears homeowner's insurance companies fold homes built near known flood zones and/or fire zones into the insurance rates the rest of us are paying.

In other words, those of us who had the foresight to purchase a home that is not in a flood or fire zone are helping to subsidize the idiots who purchased homes in fire and flood zones. It is my feeling that homeowner's insurance companies should place those homes into a special high risk category and charge them accordingly. That would automatically lower premiums for those of us who own homes in low risk areas.

There is one insurance company located in Virginia that has been doing exactly this for over 200 years If you are lucky enough to have insurance with them, you will pay one HALF normal premiums. That is a lot of BUX back in your pocket!!!