Good thinking. Program should be available to everyone who feel the need to purchase it, regardless of risk. Obviously historical weather data plays a role in premiums, but due to rapid localized climate change conditions, a database model with fast risk assessment should carry the day. Public information on flood risk is to be made available so that those seeking information can make informed decisions on a case by case basis.
Insurance risks statistics should be made public so as to premium rates. Both sides – consumers and companies evaluate and then decide if options are feasible and in their own best interests.
Live~NRGY 
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