Your editorial doesn't deal in reality ("A weak flood insurance delay ... Homeowners need strong fix to avoid premium shock," Jan. 21). We all forget that Washington has no money, it is all taxpayer money and ultimately comes out of our pockets. Why not deal in reality and call it like it is?
There is only one true insurance rate nationwide and that is a rate that allows investors in casualty insurance companies a competitive return on investment compared to other investments in the market place. Otherwise those of us who choose to live in the desirable high-risk areas such as flood, wind, fire or earthquake zones have to pay higher rates or be subsidized by taxpayers, insured in lower risk areas or investors in insurance companies.
Anything else is foolhardy and the sooner we deal with this reality, the better for all.