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I understand your overall concept, for real, unpredictable one-in-a-million catastrophes.
But this is slightly different. So the wealthy swoop in, buy cheap, and renovate. GOOD. LET THEM. They will pay a lot of money to poor workers in need of jobs, pay INSANE costs to insure, if anyone will even insure them, and then climate change will wipe out their house too. Rinse repeat until everyone gets it through their thick skulls it's a problem not to be fucked with.
Or said another way, if you want the government to support the poor people who lost their homes, do it by helping them relocate, not help them rebuild their castle so it can sink into the swamp again.
this isnt a once in a million catostrphic event. this is happening daily across the country in every town you can envision... this is at the core of the wealth migration for the past 40 years. every.single. downturn.... every. single. recession.... every.single. bust.
'job creator' is code for 'wealth migration upwards'.. its the mantra of the ignorant who still believe in trickle-down.. its a completely fabricated idea pushed by the rich to make us all believe theyre not in it for themselves.
I know I said it, but you're focusing too much on my one-in-a-million comment, as if I was saying what you described isn't happening. I know wealth consolidation is happening.
My point was that unlike the downturn, recession, busts, that cause what your describing, THIS type of climate related weather event is just going to keep happening to that same location. And that it's better to help the poor that are impacted relocate where they won't get hammered by the next hurricane.
And if the rich want to swoop in and build on that land that is now legit worthless they are welcome to. I believe they will regret it when Nature strikes again. They can't gentrify against nature. And all their value will be wiped out each time.