I don't think suburbanites should get even more handouts.

>The private insurance industry and the private housing market also push people out of their homes. In California, for instance, the large insurers have stopped offering fire insurance to people who live in the riskiest areas, or have raised costs to unaffordable levels, forcing homeowners to reconsider whether they can afford to stay where they are. Many of the places that are most vulnerable to disasters are also experiencing a severe housing shortage, which makes recovery almost impossible.
The federal government has the resources to help address this chaos. Lawmakers could ramp up programs that protect against floods and fires. They could give people money to relocate from vulnerable homes or to find new jobs if climate change makes their old jobs impossible or dangerous. Meanwhile, the White House could take a leading role in planning for future migration, incentivizing growth in places that are less vulnerable and easing the transition away from the riskiest places.

The severe housing shortage is that of zoning laws that make it impossible to build anything but single family detached housing...and now you want us to insure and replace that at great cost?