For those that live in those areas, sadly you have really two choices. Move. Or go without insurance.
It sucks but that’s reality. The government couldn’t even afford to cover those homes. If it were one home in a danger zone then it would be feasible. But with the number of homes, businesses and other buildings it just isn’t feasible. We need to start working to get these people out of there. If we start now it can in theory be done but the longer we wait the more impossible it will become.