When a storm comes through my area and causes a tree to fall on my car or house, I look to my insurance policies for coverage. If I don’t have the correct policy or insurance limits, I need to look at my bank account.

That is, unless I buy a house in a flood zone [“AG to feds: Reform flood insurance,” News, Aug. 2]. Then I can get subsidized insurance and major government funding to move sand back, lift my house, build sand dunes and try to alter nature.

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Why do we encourage people to move into harm’s way or stay there? Nature always wins.

Ray Nella, Massapequa