They will make states responsible for the floods, tornadoes, hurricanes, etc occuring in that state. Good idea for saving money or not?

Great idea. Let everyone fend for themselves! Screw organized society, what has it ever done for anybody except create more wealth than the world has ever seen? Just give me some guns and a mountain to hold up on…

EDIT: "Smart Guy" So if your house burnt down but the insurer was in debt, it’s ok for the insurer to just not pay? That would solve the insurers problem wouldn’t it?

Like when they say it’s a mandatory evacuation, does that imply you have to leave your home by law? I mean could you honestly get in legal trouble for refusing to leave your home?

Yes, you could get in trouble — for example, if there’s a mandatory evacuation of an area hit by a deadly airborne disease, and you refuse to leave — they will just consider you infected, or consider you a looter — and have the right to SHOOT YOU ON SIGHT for the public good.

Or, say a hurricane is leaving and they say mandatory evacuation and you don’t leave. Say you survive, but your home is destroyed. The insurance company can VOID YOUR HOME INSURANCE and not pay you a dime, because you chose to Violate the Mandatory Evacuation Order.

All sorts of things can happen.