You’re not trying to convince me here, you’re trying to convince the state. I agree!

People should rebuild where they want as much as they want, so long as they’re willing to accept the financial risk to do so (I.E. higher premiums that reflect the risk… which may be 10x higher, who knows! A lot of these Palisades home owners could, and would, pay for that risk, if only the law would let an insurer charge them for that)

State law does not let that happen, and all the risk is therefore subsidized by everyone else or not offered at all. Both worse outcomes!