Here's a very small violin. Landlords can cry to FEMA.
Flood insurance is hard because flood plain data is notoriously inaccurate. We would need to require everyone to buy flood insurance.
"Water Damage From Hurricane Harvey Extended Far Beyond Flood Zones"
"About 40 percent of the buildings estimated by the Federal Emergency Management Agency to have been flooded in Harris County, Tex., are in areas considered to be “of minimal flood hazard.”
https://www.nytimes.com/interactive/2017/09/01/us/houston-da...