What a great idea! You are right. The insurance companies will go broke or refuse to pay for an act of God. Actually, it is an act of government stupidity. This is not the first time Houston has flooded. Their flood planning is poor at best. If they know this is a problem, why not fix it. If you have a problem with drainage on your homestead, you fix it. And you don't need a committee to tell you how. And the codes will change but I don't think it will help the average Joe. You need to use common sense, which isn't too common anymore...