Subsidized Homeowners catastrophic insurance with a reasonable cost cap on price. Must be cost effective, could involve major carriers and could spur corporate insurers to compete against one another.
Perhaps something similar to the Surety Bond Guaranty Assistance Program that has been so helpful for Contractors.
Should have Low Deductibles. Rebuild America After a “natural” Disaster. Provides for temporary alternate housing and limit permit process for rebuilding. Could be separate policy or incorporated into existing policies in very high risk states. Or eliminate the term “high risk”. Probably one of the last socialist type programs that I would support.