Actual picture taken today of house in Myrtle Beach.
Q1: Do you have any advice and/or words of warning for the person who owns the house above?
Q2: The house is destroyed. The homeowner applies to the government for relief cuz he has no insurance. You are the local FEMA coordinator. What do you say, or do, for this person?
Note: I hope you curs show some #GodDamnCompassion. #OrNot.
This is exactly the kind of moral hazard that government handouts (theft), and government-subsidized flood insurance (theft) encourages and incentivizes.
And no, I have no compassion or sympathy for this person at all. I perfectly respect his right to take on whatever risk he OWNS himself, but I condemn EVERY PENNY he seeks to shove off onto “society” via the mechanism of the socialist, violence-funded, welfare state.
Yep but you would be amazed at how many conservative folks don’t know this…
You would. I confess I didn’t know much about it at all until a few years ago when house hunting. Once I became interested in a house that was in a flood zone, I learned everything I needed to know. I am vociferously opposed to its entire existence now. Probably the most irritating thing about it is that it is literally robbing from the poor/middle class and giving to the rich. Don’t know why that surprised me when I learned it, since it is, after all, a government program, but the extent that is does so astounded me, as did how few people knew about it. The house I was looking at wasn’t even in a flood zone until Katrina essentially redrew the map a few years ago. It was about 15 feet above sea level, and several miles inland, but had water damage from Katrina, so, flood zone. It wasn’t in a flood zone before Katrina because no other storm in modern history had flooded the area like that. It would have taken another Katrina type storm to flood that house again, and it was going to cost me about 1350$ a year on this 175k house that, in all likelihood, would never flood again, since those storms are rare. All that money from people like the suckers that live in that neighborhood goes into the same fund as rich people that build expensive beach houses just feet from the beach in a hurricane zone that are nearly assured to be destroyed in any kind of moderate storm. Absent middle class people like the ones in that neighborhood pissing money away into this fund, those houses would be largely uninsurable, or at least it would be so expensive that very few people could afford it. But, thanks to federal flood insurance, those high risk beach houses owned by rich people are subsidized by low risk houses owned by middle class and poor people all over the country. Oh, and the insurance companies get to make a little skim, too, by selling the policies. How nice.
TL/DR version, federal flood insurance is just another clever way the government robs from the middle class and poor and gives to the rich.
Gator, when I lived down by the beach in Hollywood, our streets used to flood from heavy rain in the summer quite often. We never had any storm surge from a storm in my lifetime, and certainly not in the 10 years I lived there. Who is considered a flood zone because it was only a couple feet above sea level, so the bank required me to get flood insurance. We had on street parking, and I noticed one day that my neighbor’s car to the east would be sitting up to the axles in water during those flood events, and my car would be in one inch. I got what’s called an elevation survey done, and it paid off. That’s slight elevation change ended up saving me several hundred bucks a year. I have a buddy who lives in land in Pembroke Pines, and during one of the tropical storms he got something like 17 inch of rain in 24 hours and is entire house flooded about 8 inches deep. I think he said his elevation is like 12 feet above sea level. He didn’t have flood insurance so he got fucked. So the way this stuff works can be really random
I live next to a river and the bank is low-lying land before the large hill starts on which the city was built. The low-lying bank was a flood zone. But the city council decided they wanted that land to build on so, low and behold, they simply removed the flood zone wording from the map and built houses there. Just waiting now the the floods to reach the new expensive housing.
That is exactly what happens with the Army Corps too. The city council, county commission or someone with enough connections, gets them to come in and build a levy, dam, etc. and then they declare the land “safe and flood-free” all so that developers can build, people can easily get loans, and MOST IMPORTANTLY, the town/city/county can get the property tax revenues.
Hope springs eternal but reality is inevitable.
Rich folks gotta live somewhere. You don’t want them facing burglary or robbery threats in the ghetto, do you? Say we set them up at the beach, insure their homes with federal money, that’s a good trade-off for the employment numbers and all those wonderful things rich people invent from time to time. Unless that’s Serena’s crib, I ain’t paying for that.
Wealthy Free Shit Army in all its glory.
They’ll end up with a nicer house on the taxpayer dime.
I saw it with Sandy. A friend with an old run down house in Ocean City ended up with a beautiful mansion after he got his government handout.
AND we end up paying higher insurance premiums as the insurers spread the costs to us who are inland. Fuck them, they should be paying huge premiums that fit the risk, not us.
Built with illegal Hispanic labor no doubt !
Who do you think rebuilt New Orleans?
New Orleans was rebuilt? Haven’t been there, have you.
Hahaha no shit. Anyone saying NOLA is better now clearly hasn’t been there. If anything, it NEEDS another Katrina. That was my first thought when I went there, it needs another bath. Fuck that place. If I ever see it again, it will be too soon.
Kinda funny though, you ask a white person in NOLA, they’ll tell you katrina was the best thing that every happened to their city. Ask a white person in Houston, and they’ll tell you Katrina was the WORST thing that ever happened to their city(funny considering Katrina didn’t touch Houston). The reason is the same for both, a bunch of indignant dindus moved/were shipped from Nola to Houston both before and after the storm, and huge numbers of them just stayed in Houston.
is this screen room steve?
A friend of mine could get up to 18 month’s backpay from the Veterans Administration for a recent emergency surgery that will cause her to be prorated with a 100 percent disability during the months leading up to the emergency operation three weeks ago.
Tsk, tsk, tsk. The temptations thrown in front of our honest and dedicated veterans.
Like Florida: This is just one of several homes he owns (also a mountain “cabin”, a south Florida condo, and his main dwelling in NY). It is insured at one third the rate it should be because the state has set the rate low (by spreading the risk to distant inland home owners) to induce people like him to buy in SC and pay the local property taxes. The state will maintain the white sandy beaches at taxpayer expense and sometimes even allows the ZOG owners to refuse public access. The state SHOULD forbid building within a half mile (or so) of the coast line and require that the coastal insurance rates reflect their total risk, and that property taxes include all owned property (cars, campers, securities, yachts, PMs, collectables, aircraft, etc).
Before 1940, only a few million people lived near the ocean, generally on cliffs overlooking…then along came Uncle Santa.
The only thing missing in the photo.Is the sound of taps….. Owner probably Liberal as all hell. Pay up deplorable’s.
You build on the ocean, you take a big risk…That’s why no one did it before Big Government. Of course, these idiots will be bailed out, politicians never say no…
Q1: Move, dumbass.
Q2: Learn the lesson. Declare bankruptcy. Join the rest of us who pay for our own insurance.
9 foot storm surge. 2 feet of sandbags. What’s the problem for Christ’ sake?
exactly what I was thinking to write–add in possible rain of 24 to 40 inches. Can’t fix stupid, unless this is actually a clever way to bag a few hundred K in govt (taxpayer) money.
Q1 Is the purpose of the sandbags to make people laugh? If so it worked. If not, please stay in the house while the hurricane blows it to Kansas so you can’t pass on your genes and dilute the human genome still more.
Q2 The moronic politicians have decided to bail out your stupid ass, since, as the Washington Post reported, the hurricane is Trump’s fault, so, though it sickens me to my core, here’s the check, you lucky fucker. Now feel free to rebuild on the same spot since the government just prints money out of the ether anyway and every time it gets blown down you’ll be rescued.
Don’t be silly, the sandbags are designed to keep the water in.
the idiom is:
you pays your money and you takes your chances
not:
you ‘borrow’ my money and fuck me over.
Asswipe
It worked for the banks, Groggy.
Thats cute, you think your money is being ‘borrowed’….
“Florence is a wet squib”
Florence! You call that a storm??
“Rebuild, looks like a nice spot.”
“Oh, thanks, man! You are the heart and soul of FEMA and my job!”
Glad to see content from Der Stuckmeister ! Hope all’s well in your corner of the world.
I never could understand how if a passing summer thunderstorm blows over a tree in your yard onto your house – you’re on the hook for the damage (maybe with some help from your insurance company), but if a disaster touches *enough* homes, then the taxpayer is somehow on the hook. Disaster relief should be limited to common areas, roads, etc. with the government staying out of everything else. Charity can fill in the gaps, if it makes sense.
Charity… like the bang-up job the Clinton Foundation did in Haiti?
Kidding.
LOL, good point!
My wife gets tired of me commenting at the TV and demands I hand over the remote when these stories air.
Like Admin states, it is taxpayer money, not “federal” or “government” money.
And b, It is just like the terrible fires, mudslides and all other “globalwarmingclimatechangeblahblahblah” caused events, if you build your house in harms way…
Or more to the point, doing the same thing over and over again and expecting different results is…just plain retarded.
And I am getting old and quite tired of paying for retarded people.
It’s not government or taxpayer money – it’s borrowed money that the taxpayer will eventually have to pay along with all of the accrued interest. When will we put our foot down and DEMAND that this BS stop?!
To put this in context, The World Trade Center bonds were floated in 1966. The notes came due in 1996. Did the Port of New York Authority pay off those bonds? NO! They floated NEW 30 year bonds to pay of the original bonds plus all of the interest on the coupons. SOOOO the buildings are long since gone, and the taxpayers haven’t paid for them to be built yet (or the compound interest on the compound interest)!
Never mind the handcuffs – where are the gallows?!
Caption: This is a flood free zone, Right?
Q1 How’s that saying go about building your house upon sand?
Q2 Stupid is a stupid does!
Actually building on sand for drainage is an accepted practice. Its not just for beaches. This house is on sand. On a hill nowhere near any water.
#1-WTF were you thinking?
#2- Hahahahaha… sucks to be you.
Those sandbags should do the trick!
What’s a storm surge?
Is that like a power surge?
I better still get my Wi-Fi
I see no problem, there’s four floors and a good view. A case of beer, a sturdy chair, a life jacket. Bucket list stuff indeed.
“We’re not worried in the least…just put a new sump pump in to be sure”.
FYI : the original intent of the federal (tax payer supported) flood insurance program was to protect the farmers in flood prone areas that gave our nation an abundance of food . The farmer got wiped out from a flood every decade or so but in the mean time millions of acres produce food for the nation . A good plan for all especially if you eat ! This program was not intended for the luxury beach retreats or beach estates where the public is barred from the coastal beach its private “BUT” the owner gets the beach and dune line restored by guess who , the tax payer . Yes I know the owner pays taxes but not enough to cover the restoration . My taxes cover the public beaches should you choose to have that private beach front , I say good for you but if I cannot surf fish in front of your house or swim don’t ask me to help you protect it or maintain it ! You in that case choose to be on your own !
But the Congress critters managed to fuck that all up the way Monsanto is a family farm LMAO !
“A rising tide lifts all boats”, especially the ones at the yacht club. The house was ready for a re-do anyway.
Rising tide comment referred to tax cuts by JFK not subsidies for beach house insurence .
A1: What were you thinking, who in their right mind builds a house on beach barely above high tide…. that berm is a speed bump for the 13 foot storm surge. Pack what you can and get out of Dodge..
A2: There are two chances you get money. Slim or none and I hate to break it to ya but slim is leaving town…
As a Hurricane Ivan (2004) survivor my grandfathered on-creosote-pilings home took a 12 foot surge which took my downstairs, lock stock and barrel. Ditto for everything in my detached garage. Upstairs survived the cat 4 in perfect shape due to my family-constructed siding, windows and standing seam metal roof. My home was one of maybe three homes to survive the onslaught on my street out of 50 or so dwellings. Insurance barely adequate to repair what I lost. USAA totally screwed me, losing my personal property claim, after I threw away the evidence. I believe it was intentional by the adjuster who was a bit of a jerk, betraying his perceived duty to deny claims.
I was so sick of dealing with them I just let go of the 15g claim. PTSD is no joke.
It took 10 years for the neighborhood to recover, now dozens of new dwelling being built on disturbed wetlands/flood plain land. I believe there was a bunch of bending of rules to even allow construction to occur on beach mouse habitat. SMH. It took me 7 years to begin the rehab of my gHetto house. I had much on my plate with things you would not believe, the least of which was a vigilante fundamentalist prosecutor.
I have been through 5 or 6 hurricanes here, even had two eyes pass over my home, with almost no damage other than a messy clean up.
Q1, forgetaboutit. It is gonna be flotsam.
Q2, Too bad, so sad, your bad.
The insurance racket is just that. With a smart lawyer and crooked adjuster many will reap windfall monies. I know one neighbor managed to be paid twice for his extensive claim through finagling the system. Ditto for my ex next door neighbor who was in charge of a nation wide adjustor company office.
Back in 2011 when the Mississippi overran it’s banks, the farmers who were in the way of the flood waters quickly got split into two groups. Those with heavy equipment or access to it, and those without. https://www.dailymail.co.uk/news/article-1388660/Mississippi-River-flooding-Residents-build-homemade-dams-saves-houses.html
So it’s their fault YOU threw away the evidence??? R U Playing the victim or the Saint? . The tax payers paid for your losses since you likely claimed a LOT of personal property on your return next year.
Yep – insurance is a scam but they have to deal with a lot of scammers. Have you considered moving to a statistically safer place?
Poopy coop, I guess I shoulda kept the stuff in perpetuity? After da man told me I could get rid of it…
My insurance bill for my home this year is just shy of 10 grand. I should get sumthing back for that kind of premium don’t ya think? That does not even count flood insurance, a separate policy.
Electrical fire burned it down. End of story. Edit: i do not give a shit if it gets destroyed. That is the risk dick heads take when they live on the coast. Just like earthquakes and tornados.
Q1- say goodbye to your little shitbox . U should’ve built it on stilts and out of cement.
Q2- we will help you rebuild only to the level you had, if you want it hurricane proof get your wallet out.
Still time for people to get here for the anti-Trump rally.
A million people evacuated because of an overhyped rainstorm?
Somebody needs to sue the pants off the Weather Channel and the other alarmists.
I am against govt welfare in all of its forms. I am an equal opportunity hater of welfare. Men, women, old, young, flooded, burnt, landslided, etc. – those are not my issues, and not my costs to bear, unless it is my old, young, men, women relatives, or my own house flooded, burnt, or landslid. In which case I am insured and personally prepared, and need no govt handouts.
Screw ‘em. Not my problem if they are stupid.
If you have flood insurance, you are the beneficiary of government theft from the rest of us. The rest, just the usual government micromanagement of the marketplace that nobody can avoid.
I finally have time to read this. Am in passenger seat on my way to follow on surgery to correct my crooked wound.
I will return with a link
Didn’t. No big deal.
THIS STORM IS A MONSTER!!!!!!!!!!!!!!!!!
EVACUATE NOW!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
YOU’RE GONNA DIE !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
They’ve been telling us that for a week.
As early as this morning, breathless screaming “reporters”, some pretending they could barely stand in the wind, broadcasting from the ONLY spot in town under water, were still warning … IT’S COMING FOLKS!!! HUNKER DOWN! SHELTER IN PLACE! MAYBE YOU WON’T DIE!!!!!!!!!!!!!!!!!!!!
And then “it” arrived this morning. It was a mere Category One … and even then, barely.
So, the whores on TV switched tactics immediately. To keep you hooked. Ratings trump truth. So, these whores who pretty much all deserve a bullet in the head said “It’s NOT the wind!!”. Infuckingcredible. They said — “It’s the storm surge!!! THAT surely will KILL you!!!!!”
Then something truly hilarious happened. On Fux Noos Bill Hemmroid was doing his panic-doom schtick when he said they’re going to talk to a mayor from one of the coastal towns a few miles away. The bottom line? The mayor said that except for the loss of power things weren’t so bad, that the flooding was relatively minor, and there were a few downed trees, and a wall had come down. You could almost see the tears of a clown coming from Hemmroid’s face. But, he quickly recovered! He zeroed in on that goddamned ….. downed wall!! bwaaahahaha! How big a wall was it? Did anyone get hurt? Can it be rebuilt? All of it just so goddamned fucking insane … can’t even trust these lying whores to tell the truth, without hype, about something as mundane as the weather.
Anybody here from North/South Carolina? How bad, or nor bad, is it REALLY??
My friend Pam Iam who attended Leadership School with me at Tinker and retired out there after spending a decade in Germany, then Luxemborg (you lucky dog)… and built a retirement home on her parents bayou near the ocean close to Savannah, but more on a river leading to the ocean.
She said they watched the whole thing from their big porch with a 30 pack.
I didn’t see this as I was in Missouri Baptist Hospital for a slight wound treatment and training session.
How about this for a caption?
BLOW ME, Flo! Then kiss my grits!