I'm probably riding shotgun on the bus to Hell for laughing at some of the flooded-out people after Katrina who had grills and 2-3 giant gold dookie chains on, but oddly enough, a lot of the city is NOT located in a flood zone. People not in a flood zone can get $100K on the house and $40K on the contents for $263 A YEAR. If bling is more important to some people than providing a means for them and their families to get back on their feet after a disaster, sorry - I have less than zero sympathy. For someone who's been flooded multiple times, it won't be as cheap, but it's still a hell of a lot less than trying to replace everything.