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We need some kind of ACA for regular insurance, where unless people are literally building in a swamp or the bottom of a crater near a lake/river they should be just automatically covered.
Florida is uninsurable, that's kinda the issue.
There's a reason so many big insurance companies have left Florida. And honestly I don't really want even more Federal money going to rebuild in the most common path of ever rising hurricane intensity.
I want Federal funds set aside to move people out of Florida in homes elsewhere for those who want it. If you want to rebuild your house in the path of the hurricane you can do it on your own dime.
Not sure how we relocate basically everyone in the South though. And what about tornado alley, do we move all those people also? And then you have wild fires and earthquakes, do we move all of California also? I get what you are saying, but getting millions of people to move states or across the country isn't a simple thing. And what do we do with all the then empty previously "high valued" real estate? I do think we ultimately have to do something as global warming continues to cause humans issues at what seems like an accelerated rate, but we also have an alarming number of people that do not want to address it (or that even deny it happening).
Climate disasters are not affecting the world equally everywhere. Hurricanes are far and away the most destructive climate related disaster and they disproportionately affect Florida of all US states
It would say drought would be a climate related disaster more destructive than hurricanes.