Being pro-small government, wanting to do things that make Americans more competitive and wanting to make ppl self sufficient I would like to make each zip code across the nation only eligible for disaster aid once for any one type of disaster.
If you get earthquaked and your home falls in Uncle Sam will buy it from you once. The second time, nope.
If your home floods once, great, we will keep this surprise from removing you from the middle class. Second time I might not even send a helicopter to save you. That's what your state's National Guard is for, go pay them.
This should slowly encourage folks to build homes which are appropriate for their environment or move someplace that is safe.
This should make small government folks happy for the obvious reasons. This should make the huggies happy because I'm removing folks from harm's way. This may anger some construction companies at first though.
Give me some criticism and constructive advice please.
I like the thrust of the idea. However, there are some other considerations. In tornado alley, some dome homes have survived F-5 tornadoes with little damage. But they are very expensive to build. And we already have a crisis nationwide concerning affordable housing. So, how do we handle that?
The sea levels are rising at an accelerating rate. That means there are areas in which we can no longer build homes. So, where do we build now? Where do we put these people?
I think you are on the right track, but we need a lot of wiggle room for individual areas, and some new thinking concerning how we can finance the building of structures that can withstand repetitious disasters at a price that the nation and the working people can afford. As for creating policy, I will leave that to the policy wonks, as it will take many brilliant minds to hammer out a policy that addresses this problem on a national basis.