The federal government and NJ should stop beach replenishment. The National Flood Insurance Program should be terminated. Anyone that wants to live near water should should do so at their own risk and expense. Private insurance companies should be able to charge coastal property owners whatever they want for property insurance. No one forced these wealthy people to live near the ocean. Why should taxpayers have to subsidize their decision to live in a risky location? The National Flood Insurance Program and beach replenishment are a total waste of tax dollars.