Huffington Post: When Patrice and Philip Morgan bought a house near the ocean in Brooklyn, they were not particularly worried about the threat of flooding.
Federal maps showed their home was outside the area at a high risk of flood damage. For that reason, the government did not require them to buy flood insurance, a cost imposed on neighbors on more vulnerable blocks.
Even so, the couple decided to raise their house four feet to protect their basement from the effects of heavy rain storms.
We thought we...