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“It was just a fire. It can all be replaced,” said Brad Taylor. But it’s not quite that simple in the era of government meddling and mismanagement.

The Taylors bought a house in New Orleans. They’ve been assiduous in paying their mortgage. They purchased proper home insurance. Then their home burned down.

Problem: FEMA has reclassified the land they are on, and now they are required to rebuild to government specifications that are ludicrous, and — as local officials admit — are a de facto moratorium on post-Katrina construction.

Just keep this in mind as the president ramps up his global warming crusade. Like elections, laws have (unintended) consequences.