"Our experience leads us to advise the public that everyone lives in a floodplain," said Louis Botta, federal coordinating officer for FEMA.
About three sentences later, FEMA says:
FEMA statistics show that homes in a floodplain are 26 times more likely to incur damage from a flood than from a fire during a 30-year mortgage.
Okay Louis, if "everyone" lives in a flood plain, to what are you comparing "homes in a floodplain?"
This is the sort of thing you run into when your Podunk city council unanimously passes an ordinance to apply for federal flood insurance, a FEMA operation.
Our local gentlemen didn't seem to have a very good sense of what they were voting for, so I thought it would be a kindness to point them to a fact or two. The most disheartening one is that bedding down with the Feds adds one more complete layer of building, zoning, and land-use laws to what ever such gobshitery has been dreamed up and enacted by the local authoritarians.
I may or may not persevere in the research. Reading stuff written in Washington makes my head ache and embeds in my butt a deep sense of fatigue.