Why should inland areas have to pay for flood insurance when you cant water the lawn because there is no water?

I mean really if there is no water in the water table and the lakes are dry why should you have to pay for flood insurance.
How about t he fact that in inland areas of Florida You have to have flood insurance even though if your house got flooded 80% OF DOWNTOWN Tampa would be underwater and the insurance company would not be able to pay off anyway. What good is insurance when if you need it you wont be able to get it?

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