Adapted from Robert Whitcomb’s “Digital Diary,’’ in GoLocal24.com

Consider the Federal Flood Insurance Program, which before Hurricane Florence arrived was $20 billion in debt. The program – the primary source of flood insurance in America -- is in need of deep reform.

The basic problem, besides the fact that Congress and the White House try to put as much stuff as possible on our collective credit card, rather than paying honestly with tax revenue: The federal government, to please affluent homeowners, especially along the seacoast, and campaign-contributor developers and real-estate agents, blithely subsidizes rebuilding in flood-prone areas – areas becoming ever more vulnerable because of the effects of global warming caused by fossil-fuel burning.

“They have not dealt with the gorilla in the room which is proactively addressing these types of disasters for the future,” Rob Moore, a senior policy analyst at the Natural Resources Defense Council, told Bloomberg News. “Too much of the U.S.’s response to natural disaster is completely reactionary: We throw a bunch of money after it happens.”

Indeed, after a hurricane slams a coastline, private and public rebuilding money pours into devastated areas, leading to the construction of more building in some places than were there before the hurricane!

Moore said that Congress should direct the Federal Emergency Management Agency, which runs the insurance program, to focus on strongly discouraging building in the areas most vulnerable to flooding as well as mandating that less exposed but still somewhat vulnerable structures be raised. The taxpayers have helped to rebuild some coastal-flood destroyed structures five or more times.

Last week it was the Carolinas, some late summer or early fall it will be southern New England when the eye of a northward-accelerating hurricane roars up the Connecticut Valley, exposing the coast of eastern Connecticut, all of Rhode Island and southeastern Massachusetts to a disastrous tidal surge. Most of us prefer not to help pay to rebuild a lot of McMansions on the dunes.

Regarding Florence, note that Orrin Pilkey, a retired Duke University coastal geologist, complained in a recent op-ed in the (Raleigh) News & Observer that the Tar Heel state hasn’t acted with the same rigor as, for example, the communities in Virginia and New Jersey, to prepare for rising sea levels.