May 27, 2011 1:41 PM

I have a response to your flood insurance query.

The answer is yes; people will build in floodprone areas even if flood insurance isn't available.

The National Flood Insurance Program (NFIP)was created by an act of Congress in 1968. Prior to that legislation, people and businesses built in the floodplain even though insurance for flood damage was not available or difficult to obtain to pay for the damage.

People are attracted to water and want to live near it. The fact that insurance is now available hasn't changed that viewpoint. In fact, it may have encouraged more people to risk the threat of flooding by building in the floodplain.