This wasn't originally going to be a Gone With the Wind reference stack (It started as the very different "There Will Be Flood"), but the lines just seemed to work too well to ignore, hence that.
[TITLE] Gone With the Flood
[DESCRIPTION] After an historically bad storm caused flooding on a previously unseen scale, insurance companies in @@NAME@@ have been doing their best to escape making payments. In fact, many policy holders have been shocked to find that flooding is specifically excluded in the fine print of their homeowner policies. Anger has boiled over on to the streets as hundreds of newly-homeless @@DEMONYMPLURAL@@ demand action.
[VALIDITY] Must allow private industry. Has not chosen options 331.3 or 331.4
[CHOICE 1] "Where shall I go? What shall I do?" bawls @@RANDOMFEMALEFIRSTNAME@@ O'Hara, owner of a now mud-filled plantation house. "Can't you make those nasty insurers pay for the damages? They ought not to be allowed to exclude things from policies like that!
[FALLOUT 1] the only people who can afford insurance are those who can afford not to have it
[CHOICE 2] "Seems like those insurance companies just don't have the resources to handle these big events all by their lonesome" muses your social secretary, @@RANDOMNAME@@, absent-mindedly. "The government's got lots of money though, so why don't you underwrite flood insurance for everybody? It'll cost an arm and a leg, but they'll never go homeless again!"
[FALLOUT 2] insurance companies remove items from policies in the hopes of government payouts
[CHOICE 3] "Frankly, my dear, we should build a dam" suggests your overly-familiar butler, Rhett, as he busies himself rearranging the civil engineering books on your shelf. "If we can limit the risk of flood, insurers will be more willing to offer affordable policies! You should provide citizens aid this time, but only on the condition that they work with insurers to meet the rebuilding requirements needed to qualify for insurance coverage in the future."
[FALLOUT 3] houses sit on enormous stilts along the levy-lined shores of @@NAME@@
[CHOICE 4] [VALIDITY] Not officially atheist
"Usury! Usury! Usury!" comes the raspy chant of @@RANDOMNAME@@, also known as the Voice of Violet. "Insurance is usury! It is gambling on the uncertainty of tomorrow, but the sacred Violet tells us that tomorrow is another day! Ban insurance, and all forms of usury! What Violet hath wrought we must not question."
[FALLOUT 4] with no mortgages for houses there is no market for homeowners insurance
1st draft: