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(Don Boudreaux) Here’s a letter that I sent to U.S. Senator Robert Menendez (D-NJ): Dear Sen. Menendez: NPR reported yesterday on your opposition to eliminating subsidies for flood-insurance premiums.*  You correctly note that eliminating these subsidies will cause insurance premiums to rise for residents of flood-prone locations.  But you incorrectly predict that this rise in premiums will be a “man-made disaster.”  [...]

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