Bigger Question: Why do people continue to rebuild where tornadoes have wiped them out? Where large fires can be counted on to reoccur as part of nature's cycle? Where hurricanes are nothing new? I think the regulation of building materials is a good idea but if someone wants to build with wood in a danger zone, why not charge them more for insurance? I also think that our government, who bails these people out time after time should do it only once. There is no incentive to move or to build more sturdy structures when one can count on the government to bail them out. First time, ok. Second time, it's up to you pal. ABC