It does correspond to insurance rates on reserve. I get the complication of band council-driven housing versus individual housing, but does it actually coordinate with affordable insurance on reserve, if at all? We're talking about affordable insurance here, but more often than not, nobody is aware of the pressures that the band council is put under, in a situation they can't resolve, because they can't fund what is being asked of them.
In terms of the zoning, can anybody on the panel tell me how many first nation communities are living in high-risk zones, whether you're talking about forest fires or flooding?