The U.S. should not pursue a proposal to establish a national disaster-insurance program because such a fund would only spur property development in coastal and other high-risk areas, as well as increase taxpayers' liability exposure, writes Manley Fuller, president of the Florida Wildlife Federation. "By providing private parties with public subsidies, offering insurance coverage anywhere someone chooses to build, we risk destroying coastal wetlands, dunes, and other natural defenses to storm surge. These buffers help reduce inland storm damage, as well as provide important fish and wildlife habitats," Fuller writes.

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