Everyone is acting like this much rain has never fallen in Texas before when it has happened on numerous occasions as far back as 1938.
Harvey-level rain has never fallen on Texas before.
That said, I quite agree that there should be no federal flood insurance, period. If a private insurer won’t cover it, or will only cover it for a premium you can’t pay, nobody should be living in it, or you shouldn’t build it.
Federal Flood Insurance is, way too many times, welfare for millionaires.