400 word discussion

Susan Cutter and colleagues in the assigned journal article for this module advocated for the Federal Government to reduce the level of guaranteed coverage of public losses in a disaster from the current level of 75% and moving toward new policies that gave those moving in to high hazard areas (ie. South Florida's seashores or California's wooded mountain communities) a greater role in covering the financial costs and risks.  The authors pointed to the National Flood Insurance Program as a model policy that required limited Federal funds and had been constructed to consider the capacity to pay in the setting of the insurance rates.  

As the globe appears headed in to a period of greater natural disasters, do you support Cutter's proposal or do you think that the Federal taxpayer covering 75% or more of the recovery cost is the appropriate level?