Clearly something has to be done here. Either the authorities must stop allowing the houses to be built or they have to create a fund to react to this. I vote for the first option. It seems a little unrealistic that this all be held against a home buyer who may not have access to or understanding of what it means to be in floor, tornado, etc. zone. If the areas are not habitable then don’t let people live there. Seems like a no-brainer.