It is horrible that electric vehicle fires can burn your house down, but with the twisted way insurance works, if your house burns down, insurance pays for your house to be rebuilt.  If it gets flooded, insurance won't pay.  It could be worth renting electric vehicles and parking them in your garage when a bad storm is coming.  If the flooding gets high enough to cause major damage, your rental car will probably explode burning down the house and allowing you to claim fire damage rather than water damage.

We really have perverse incentives in our messed up system.

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