In some disaster-prone areas, local, state, and federal authorities are trying to discourage people from rebuilding homes when they are likely to be badly damaged or destroyed again in the near future. This includes areas subject to wildfires, floods, or coastal erosion (such as barrier islands). There may be legal restrictions, or they may just be recommendations, but you need to pay attention to them. Before you start reconstruction, for example, check whether your insurance company (or any other) will offer coverage for the rebuilt home.