Yes. In that case, you do have properties that, as we've seen unfortunately in this region, are going to repeatedly flood. They would drain any insurance pool that you set up, and other policy holders would essentially be subsidizing them for living there, which isn't right.
Those people, who probably shouldn't have been there in the first place, are a liability that the insurance industry really does not want to take on. They should be moved, through one-time programming—