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Toxic,
I will provide the same info that I responded with to Billy on another thread. It's been awhile since a hurricane has hit Belgium or the Netherlands. The tropical waters off the Gulf area represents unique conditions condusive to tropical storms that Europe is unaccustomed to.
Your point of peoples homes and history is salient, however.
I would propose the same types of policies that folks along the banks of the Mississippi in Illinois has: no flood insurance.
If you want to build your home on a flood plane, a delta, or up on an active volcano, have at it...but don't expect the insurance companies (read-other insurers) to have to foot the bill every time the waters rise or a tropical storm lays waste your home.
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