I did not dismiss data, but your interpretation of it. Your data was incomplete, and thus cherry-picked. The point is that "flood prone areas" are increasing in size and number in many low-lying areas around the world. Only you, Ivo, would suggest that the cause of the problem faced by island, riverine, and delta nations and cities (where most of humanity lives) is the interaction between private and public insurance, and that the obvious solution is they should all move to higher ground! In your world there appear to be only two types of people a) "rational libertarians" like yourself b) everybody else who cravenly depends on the "nanny state". On bailouts, ask the vast majority of people around the globe (that is, poor people) whose meagre assets, livelihoods, and in some cases existence have been destroyed by extreme weather/climate events whether they or their families have been bailed out by either private insurers or governments and you will see what the real world is like.