The federal flood insurance program subsidizes premiums, to help homeowners living in flood-prone areas afford the coverage. Critics say climate change means we instead should fund moving costs, to get people out of flood zones. Those critics also point out that flood insurance is unsustainable financially, due to what they call "adverse selection." They say that only those living in highest flood-risk areas will be interested in obtaining the coverage. Would their application of the "adverse selection" concept be appropriate? Why or why not? [For discussion of "adverse selection," see Cooter & Ulen reading, pp. 48-49.] [maximum of two (2) sentences]