I do not see the point in building homes in a high risk area other than an insurance scheme. Who are planning these homes? From these articles, it seems to me that they are being privately planned and these private planners are playing a gambling game. If there house is flooded they will cash out on their insurance pay out and until that flooding does occur they are living life in a decent home. I believe policies should be implemented to restrict construction on known flood areas. The land should be protected and not used as a residential area.