No, I understand, however, the new homes should be placed on stilts. Unfortunately, the architects and homeowners have no desire to and this is where codes need to be more stringent. In fact, I do not even think codes need to be increased. What -I believe- should happen is you should be given the choice: build on stilts OR you can build how you like, however, Insurance Companies do not have to Insure the property (perhaps even the liability) on the structure. Same thing with Flood Insurance.