One of the challenges, as you've described, in the American market is that there has been quite a bit of government interference in it, and while the industry would like to say to business and to homeowners, “If you choose to live in a very risky area, we may choose to sell you our product, but we have to charge a fair price for it”, some governments weren't willing to permit that, and they intervened and didn't allow the price to get to the market level.
Sur le marché américain, comme vous l'avez dit, l'une des difficultés tient au fait que le gouvernement est beaucoup intervenu, alors que l'industrie voulait signaler aux entreprises et aux propriétaires de maison que s'ils choisissaient de s'installer dans un secteur à haut risque, l'industrie leur vendrait son produit, mais à un juste prix.