See a recent article on very poor people in the Philippines rebuilding their homes on the banks of a river that is sure to flood again, Flood Survivors Rebuild in Philippine Danger Zones
Yes these people are poor and they have no where else to go, but their behavior is no different than many other people living in industrialized nations, aka the United States of America. We have repeated flood properties that are flooded again and again. Not only do the residents rebuild in the danger area, the Federal Government subsidizes their insurance and promotes living in the flood zone.
The above behavior is what we need to end if we are really committed to becoming a disaster resilient nation and not a basket case of Federal bailouts--one home at a time. The risk of living in harms way needs to be borne by the people choosing that behavior.
