Well now Mr Bird, I'll just begin by suggesting you read this here article
http://www.nytimes.com/2009/09/06/nyregion/06flood.html
The young fellow I spoke of was trying to buy a house in the town of Gates, and you'll notice that is referred to in that article.
Seems the screwup on the governments part is so serious no less a man than Senator Scummer himself stuck his nose into looking at the mess and says the government screwed up.
You'll also note that the article pretty clearly points out no bank or mortgage company in NY will come close to a mortgage in NY where there is a possibility of flooding without flood insurance. Things might be different where you hang your hat, but NY has more dang lawyers than a herd of skeeters fresh from hatching, and every one of them is looking to suck blood. You can't buy a piece of property hereabouts without 5 lawyers getting in on the act, not to mention a surveyor or 2. All the lawyers seem to suffer from some brain disorder that makes em think the earth and every house around here is moving when it gets dark, and unless 2 surveyors tell the lawyers the house ain't moved ain't no sale happening.
If you were to bring up one of them hill and valley maps showing the house that fellow was trying to buy you'd see the house sits on the side of a hill, and little more than half a mile to the north runs the Erie Canal in a 50 foot deep cut through stone. I sure ain't an engineer, but seems to me till that canal fills up full and stops carrying water off ain't no way that house is going to get wet. Like I was saying we got way too many of these so called professional people running loose making trouble for other people. Seems like they got them diplomas and licenses they all have and that gives them a right to eat steak while the man working for a living is lucky to be getting hamburger helper without the burger.
Couple things I can tell for sure about water, it's gonna come and ain't much man can do to stop it when its on the way. Of course a lot of people all around the world figured that pretty much out long ago and the smart ones figured out how to work together with Mother Nature and benefit from that water.
Second house mom & dad built back when I was a boy was a pretty good example of that working with nature. Dad built the place up off the ground on concrete blocks, and put empty oil drums all coated with tar under the house. He had about 10 4" square wood posts in the walls that went through the floor and slid down when he pulled a nail out of each one. He figured if the place ever flooded he'd just let the water lift the house up, and he'd drop the posts to hold the house up when the water drained back off. Then all we had to do was get under that place with a bunch of concrete blocks and build up the foundation piers. Some folks said he was out of his mind, but sure as shooting that water came and up went the house. Dad might not have had a whole lot of schooling, but his idea worked, and our house was 5 feet higher than when it started. Didn't take no work to get it up there and us kids scooted them concrete blocks in there real easy dragging em on old tin signs from beside the road. Us kids thought it was a whole lot of fun doing that job of work. Dad had drawn them signs home when the Parish road crew went out and ripped em down. They were glad not to have to haul them signs back to the highway, and we used every one of them for something.
Like I was saying before, people just don't seem to think much any more. I ain't absolutely certain, but I got a dang good hunch people's brains have rotted from watching too much TV. I'm glad we didn't have no TV when I was a kid, shoot we didn't even have electric till my little brother dragged home a generator in the late 60s. Onliest TV I ever saw running when I was growing up was in a store window when we went to town to do shopping.
Just the other week I was watching some fix your house program where a fellow spent a couple thousand dollars to put a rainwater catcher in under his back porch to save on buying water for his plants. Fellow stood there looking all impressed while this TV star fellow hooked the contraption up, and I'm sitting here thinking that ain't nothing but a water bed mattress. I can pick them suckers up for free every year when the college kids leave town and abandon their posessions cause they are too lazy to take them home.
I've talked to more than one of them fancy educated fellows and gals too, and truth is they don't seem very smart to me. I went in the feed store a while back and there was 3 of them working there. Some lady bought 4 bags of corn $3.25 a bag, and they couldn't figure out how much to charge cause the bags didn't have that little bunch of pencil lines on a strip and the computer wouldn't ring it up. I just stood there and said 13 bucks. Kid asks me how I figure, and I tell him 4x3 =12 and 4 quarters = another buck, 12 + 1=13. All 3 of them college kids stand looking like I'm trying to cheat the store or something. Something is bad wrong when the future of the country is in the hands of kids with this little education and they are in college. When I was coming up you dang sure learned everything you could because you never knew when you'd need to know it. Today the kids don't learn a dang thing, they just get passed along to the next class, and when somebody my age trys to give them a bit of learning they get all hostile and go to fighting with us. It's like they know they was cheated by the school and they're mad I wasn't too.