I don't disagree with you on new builds and new purchases. But homeowners living in some of these areas for 10...30 years suddenly becoming un-insurable when the environment changed around them is a thorny issue.
I don’t feel sorry for these people. They made choice and the evidence this was inevitable was in front of them for 10 years at least. They don’t deserve special consideration.
Considering how we treat things like job loss, which is a good allegory here as it has all the same features of circumstance, why do they deserve special considerations that aren’t extended to other groups?