Tripping through the wonderland that is the juxtaposition of cyberspace the federal government, I came across this blog post from the Department of Commerce.
In it, the Department of Commerce (specifically, the National Institute of Standards and Technology (NIST)) is proud to announce that they have teamed up with the United States Forest Service to create risk assessments for wildfires. The maps created by the government team-up show the risk posed by wildfires to various communities.
The image in the blog post, while interesting, reminded me of another type of map that contained a variety of colors to show risk – the flood map. Some examples of what flood maps like are here and here.
This realization of a comparison between flood maps and the wildfire maps brought me to a question.
I could use the new wildfire maps to assess my home’s risk for wildfire. With that information, I could contact the insurance agency that holds my home’s fire insurance and adjust my policy.
However, if I were to look at the flood maps for my home’s area, there are almost no private insurance companies I can contact to purchase – forget about adjusting – flood insurance.
If there is the philosophy that private enterprise does everything better than the federal government, then here is my follow-up question:
Why don’t most private insurance companies offer flood insurance when there is a need?