Flood insurance is separate from home-owner policies by government regulation. It seems only fair that people who choose to live in threatened areas should pay for their risk-taking. From early 2006 through late 2007, about 1 1/2 years, we had absolutely no measurable rain in the northen Nevada desert and never have floods.

Some people live high on bluffs overlooking flood-prone areas, but have not fear of flooding themselves. They may mave other risk to worry about, such as fire or landslide, and pay insurance for those problems, but not for flooding.